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    Members of:

    LIGHTHOUSE

    BENEFIT

    RESOURCES

    Lighthouse Benefit Exchange is a national private exchange for individuals and businesses. Our technology platform offers diversity of choice, decision making assistance, and allows for better cost management from year-to-year.  

     

    Lighthouse Benefit Resources

    400 Ocean Forest, Suite 1102

    St Simons, Georgia 31522

    ​

    Enrollment Call Center:

    912-771-8230

     

    Email us HERE

     

     

    About Lighthouse 

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    Featured Posts

    How does a private exchange help individuals and families?

    December 22, 2013

    Is a small business (less than 50 employees) required to offer health insurance?

    December 21, 2013

    Can I enroll in an individual health plan after Open Enrollment?

    March 31, 2014

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    Recent Posts

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    January 16, 2014

    My income qualifies for Medicaid, but I can't get Medicaid or an ACA plan? Why?

    January 16, 2014

    How does a private exchange help individuals and families?

    December 22, 2013

    10 Things You Need to Know About Health Reform

    December 22, 2013

    Your Personalized Consumer Guide: How will Health Reform will affect you?

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    How does a private exchange help large businesses (50+ employees)?

    December 22, 2013

    How does a private exchange help small businesses (2-49 employees)?

    December 22, 2013

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    December 21, 2013

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    December 21, 2013

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    How does a private exchange help large businesses (50+ employees)?

    December 22, 2013

    What about the group plan you have now?

     

    You can keep it. You shouldn't see any changes in benefits or pricing until you next plan renewal.

     

    How the Affordable Care Act changes Large Business Plans: 

     

    Very little, actually. The new law didn't affect how large business plans are priced, underwritten, or the beneifts that are included in the policies.

     

    But large businesses are still affected in the form of the "Employer Mandate". Under ACA, a Large Business is charged a penalty for not offering affordable health insurance coverage to its employees. 

     

    The penalty for not offering health coverage is $2,000 per year with a waiver for the first 30 employees.

     

    The penalty for not offering affordable health coverage is $3,000 per employee per year. The penalty is triggered when an employee qualifies for a subsidies Obamacare private plan. 

     

    Penalties have been delayed until 2015.

     

    How our private exchange is helping large businesses:

     

    • Set a fixed budget, saving most employers 10-30% in the first year

    • Offer lower priced plans to your employees

    • Give employees the power of choice and allow them to select the benefits they want and need

    • Employer-paid and voluntary (paid completely by employee) benefit options available

    • ACA reporting, calculations, and employee notifications handled by the private exchange

    • Custom benefit management system built for your business

    • Exchange App, so all employees have 24/7 access to benefits on their smartphone

    • Online enrollment 

    • Exchange services are available such as payroll, COBRA, FSA, HRA, HSA, and Section 125 Administration

    • Outsourced Human Resource services

    • Get access to our nationwide network of experts for advice and help

    • Customized financial strategy and plan choices: no one-size-fits-all-solution here.

    • We'll show you, down to the penny, if it's best for you to pay or play (pay penalty or offer benefits)

    • Superior customer service

     

     

    Employee benefits just got simple.

     

    You can keep your current plan and still use private exchange technology and services such as a smartphone benefit app, custom benefit management system, intra-office communication, payroll services, outsourced Human Resources, COBRA, FSA, HSA Administration, and more. Hey, talk about a win-win.  

     

    Contact us for your complimentary review and proposal of private exchange plans, technology, and services. 

     

     

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