Electronic Enrollment

BLUEPRINT SOLUTIONS SM FOR MIDSIZE COMPANIES
Electronic Enrollment
Web-based benefits administration, now available
with all 51+ group medical plans
Offered through an arrangement with BeneTrac,
for qualified groups with 51 - 1,000 employees
Visit us at mylifepath.com
Take advantage of electronic enrollment
at no additional cost
A streamlined enrollment
solution for your business
Make your job easier
• Save an estimated 25%
on administrative costs*
• Manage benefit tasks
across a range of carriers
• Reduce the amount of
paper forms
• Transfer and track data
in real time
• Access reports and status
through a secure portal
Electronic efficiency with every plan
Beginning February 1, 2004 through January 31, 2005, qualified
groups who purchase or renew any Blue Shield medical plan can
take advantage of electronic enrollment at no additional charge,
subject to the conditions below.
Through this arrangement with Benetrac, Blue Shield will cover the initial
set-up fee and monthly service fees for all your employees who enroll
through the service – including those who enroll with an alternative carrier
– allowing you to utilize the system to enroll all your employees at no
additional cost.
Electronic enrollment through Blue Shield and BeneTrac delivers administrative
efficiencies, cross-carrier compatibility and comprehensive decision support
tools in one cost-effective format:
Manage multiple carriers
Electronic enrollment
through Blue Shield
and BeneTrac delivers
a cost-effective
end-to-end solution.
Unlike many carrier-based systems that administer only their own plans,
BeneTrac's electronic enrollment offering helps you manage multiple benefit
plans from a variety of carriers, all from a single, consistent and secure
point-of-entry. This cross-carrier capability enables you to save time
and resources while enhancing your ability to make comprehensive
comparisons of enrollment data and plan activities between carriers.
Maximize your data
By compiling benefit data in a centralized, digital format, electronic enrollment offers customized management reporting capabilities that can help
you gain strategic insights on plan utilization metrics, facilitate future plan
design decisions and identify potential cost efficiencies. On-demand
accounting tools are also included to help simplify your data and make
bill reconciliation more transparent across carriers. Reports can be
exported and viewed using either Microsoft Access or Excel formats.
On-demand reports include:
• Bill reconciliation and status reports
• Monthly and yearly audit and census reports
• Employee benefit selection comparisons by plan, location or subsidiary
• Up-to-the-minute usage activity and trends
• Employee directories and enrollment recaps
Save effort and expense
Electronic enrollment
Electronic enrollment can simplify the resource-intensive work of collecting,
organizing and submitting employee benefit information. It reduces
communication and data transfer expenses and helps minimize manual
data entry errors, saving an estimated 25 percent in administrative costs.
The secure online process follows these simple steps:
• Your employees enter and update their own benefit information.
• The system calculates eligibility and provides personalized plan
descriptions and provider listings. All input is reviewed for errors
and omissions before forwarding.
• Your human resource staff tracks activity and maintains gatekeeper
authority for all changes.
• Using a secure online connection, your data is electronically
transmitted to Blue Shield or other carriers, if applicable.
Streamlining the enrollment process can offer substantial administrative
efficiencies, resulting in saved time and resources. Based on the adjacent
chart, the examples below illustrate the estimated savings for groups
utilizing electronic enrollment with BeneTrac:*
•
51-employee group:
Estimated net annual savings
of $4,126 or 123 work-hours.
•
300-employee group:
Estimated net annual savings
of $28,145 or 719 work-hours.
•
600-employee group:
Estimated net annual savings
of $71,781 or 1,438 work-hours.
Leverage industry-proven technology
In addition to cross-carrier compatibility and management reporting
capabilities, BeneTrac’s system has set new standards in benefit management technology with its expertise in software engineering, group health
benefits and human resource management. In addition, BeneTrac has the
capabilities to develop customized solutions based on client-specific business rules and to accommodate multiple plan designs for companywide
divisions or multiple office locations.
at a glance
• Preferred vendor savings –
No set-up or monthly service
fees for any employees who
enroll through BeneTrac, not
just those enrolling in a Blue
Shield health plan.
• Cross-carrier compatibility –
Simplify plan administration
across multiple carriers through
a comprehensive, one-stop
benefit management resource.
• Administrative cost savings –
Reduce the expense of communication, data transfer, staff
time and administrative hassles.
• On-demand management
reporting – Compare and
summarize benefit selections
by employee, plan or location,
to optimize future plan
design decisions.
• Quality control – Improve
the accuracy of information
exchange and access, help meet
HIPAA privacy and standard
transaction regulations and
establish administrative
authority to monitor enrollment activity.
Real-time administrative savings
The scenario below illustrates the potential administrative savings electronic
enrollment can provide on an annual basis. To calculate an estimate based on the
unique dynamics of your business, visit www.benetrac.com/calculate_roi.
maximize
your
savings
Maximize your savings with BeneTrac*
Employer Scenario
51-employee group
300-employee group
$60,000
$70,000
$90,000
Employer matching estimate:
$7,200
$8,400
$10,800
Benefit cost estimate:
$3,000
$3,000
$3,000
$34
$39
$50
51-employee group
300-employee group
Annual HR admin salary:
Estimated administrative hourly rate:
Administrative Savings
600-employee group
600-employee group
$0
$0
$0
$0
$0
$0
$4,126
$4,126
$28,145
$28,145
$71,781
$71,781
Estimated work-hours
“without” BeneTrac
160
939
1,878
Estimated work-hours
“with” BeneTrac
37
220
440
123
719
1,438
• Annual cost of BeneTrac
for Blue Shield groups
• Estimated net annual
savings with BeneTrac
• Estimated work-hours
savings with BeneTrac
* Estimated savings subject to group size and annual administrative expenditures. Actual savings may vary.
Savings shown based on $0 annual cost for BeneTrac services.
Simplify benefits administration
with
BeneTrac
BeneTrac offers easy-to-use, powerful technology that streamlines the work of enrolling employees
1
Enter from the control
screen showing your
company information
and logo
2
See a top-level summary of plan activities
3
4
Look up complete and pending
transactions, run a variety of
reports, assign access to staff and
check connectivity with carriers
Add new employees or search by
entering an employee identification
number or scrolling through a
complete list of last names
• Enter from the control screen showing your company information and logo.
easy
to use
• See a top-level summary of plan activities.
• Look up complete and pending transactions, run a variety of reports, assign access
to staff and check connectivity with carriers.
• Add new employees or search by entering an employee identification number or
scrolling through a complete list of last names.
For an in-depth demonstration of BeneTrac’s electronic enrollment capabilities,
take an online tour at www.benetrac.com/demo.
How to qualify for electronic enrollment
Terms and conditions
All qualified groups can take advantage of electronic
enrollment as part of their plan package, regardless
of their Blue Shield medical plan selection or current
relationship with BeneTrac (see chart).
• Through this offer, Blue Shield will provide a subsidy to
BeneTrac of $3.25 per employee per month on behalf of the
group for each eligible employee who enrolls using BeneTrac
services, regardless of enrolling in a Blue Shield medical plan
or a plan offered by another carrier. The $3.25 subsidy applies
only to BeneTrac’s basic system package services, available to
Blue Shield groups at a preferred rate of $3.25 per employee
per month. In addition to the subsidy, Blue Shield also will
cover the initial one-time set-up fee, equivalent to $3.25 per
employee multiplied by the total number of employees who
enroll through the BeneTrac system.
New BeneTrac
client
Existing BeneTrac
client
New Blue Shield group
Existing Blue Shield
group (upon renewal)
✔
✔
✔
✔
To qualify, groups must meet the following criteria:
• Have 51 to 1,000 employees
• Purchase or renew a Blue Shield medical plan
between February 1, 2004 and January 31, 2005
• Have at least 50 percent of employees enrolled in a
Blue Shield medical plan with a minimum of 25 employees enrolled through BeneTrac's enrollment system
For complete information on how to qualify for electronic enrollment with your group’s Blue Shield medical
plan, see the adjacent terms and conditions.
• BeneTrac preferred rates apply to basic system package
services only. Additional services and features may cost extra
and are the financial obligation of the group.
• To qualify, groups must enroll or renew in a Blue Shield medical
plan between February 1, 2004 and January 31, 2005.
• To be eligible to continue to receive the subsidy, groups must
remain a customer of Blue Shield, use the BeneTrac services
and continue to be a qualified group.
• Eligibility for groups with more than 1,000 employees will
be determined by Blue Shield on a case-by-case basis.
• Groups currently receiving a Blue Shield subsidy for BeneTrac
services are not eligible for the $3.25 subsidy prior to completing
their existing 12-month contract with BeneTrac. Following
the fulfillment of this contract, only groups renewing prior to
January 31, 2005 are eligible to receive this subsidy upon their
renewal date with Blue Shield.
Get started today
Interested in learning more about electronic enrollment?
Speak with your broker or Blue Shield of California
representative about the details of the system and how
to optimize it for your particular needs.
At installation, you’ll receive clear, easy-to-understand
information, support and training as well as any followup instruction that your staff may need to use the system.
BeneTrac is available to collaborate with you and your
broker or consultant for additional option implementation and training.
Contact your Blue Shield representative today to find
out more about the advantages of electronic enrollment.
A16018-REV (2/04)
• Electronic enrollment services are made available through a
contract between BeneTrac and the employer group and are
not covered services under any Blue Shield of California medical
plan or Blue Shield of California Life & Health Insurance
Company product. BeneTrac manages its own enrollment
system and contracts directly with the employer group. None
of the terms and conditions of Blue Shield’s health plans apply.
• Blue Shield may modify or terminate this program at any time.
In the event of termination, all subsidy payments will cease as
of the date of termination of this program. In such an event,
the group may continue to receive services at their own expense.
• Blue Shield accepts electronic enrollment transmissions from
other vendors on a case-by-case basis. If you are currently using
electronic enrollment services from a vendor other than BeneTrac,
speak with your Blue Shield representative. Blue Shield subsidy
does not apply to vendors other than BeneTrac