How Are We Different?
We make life easier for the client and our business partners by doing our job and doing it well.
Henry Ford said, “You can’t build a reputation on what you are going to do.” At Proficient Benefit Solutions, over 20 years of "actual doing" has allowed us to enjoy a solid reputation for outstanding service and support. What’s our secret? We allow our values to guide our actions. We believe in absolute integrity. We value continuous learning and commit ourselves to attaining expertise in the products and services we provide. We are dedicated to serving others. We are dedicated to innovation by constantly look for new and better ways to do things.
Expect outstanding service and support when you partner with us. We are here for you. We want you to shine! We will be that consistent, reliable partner you can count on to answer your call, respond to your question or provide the industry perspective you need. Knowledge, service, and support have helped us create a loyal client and broker base. Let us take care of the details so you don’t have to.
What We Offer
Administrative Solutions
At Proficient Benefit Solutions we understand benefit programs and the critical role they play in an employer’s strategy to seek and retain top talent. A well-developed program deserves the best in service, support, and systems technology. To accomplish this we regularly invest in customer service training and seek out partnerships with top system and solution providers in benefits administration. Together this allows us to provide your clients with the latest in technology and service. With us your clients and their employees will enjoy:
- An enrollment process tailored to fit the employers (client) needs.
- Materials designed to help educate your clients and their employees.
- A self-service employer portal allowing the client to stay connected to plans, including plan and participant reporting
- Proficient Connect, an online portal and mobile App allowing participants to access and manage their accounts 24/7 from their favorite device!
- View balances, submit claims, add receipts, and more from the portal and App.
- Check, on-demand, the eligibility of an item with the eligibility scanner through the App.
- Download transactions into excel for importing into personal accounting software through the online portal.
- Participant alerts and notifications via text and email
- Coming Soon! In addition to our customer service team, participants will have 24/7 access to an easy to navigate automated telephone service providing quick access to account balance and transaction history. Best of all, during normal business hours this service can be easily exited to speak with a highly trained customer service representative
Compliance Solutions
Let Proficient Benefit Solutions do the work required to ensure Consumer Driven Healthplans are in compliance with the complex and seemingly ever changing rules and regulations. Whether its plan documents, regulatory reporting or compliance testing you need, we have you covered!
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Administrative Solutions
At Proficient Benefit Solutions, we bring experience, expertise and cost effective solutions to the Consumer Directed Healthcare (CDH) marketplace.
Administrative Solutions We Offer
Flexible Spending Account (FSA)
FSAs offer perks and savings for the employer and participants! Employers benefit from lower reported wages (FICA tax savings), enhanced overall benefits package, and improved employee engagement and satisfaction. Employees benefit from increased take-home pay (lower taxable income) and savings on qualified healthcare expenses. It’s truly a win-win benefit!
Health Savings Account (HSA)
Designed to be used with a HSA eligible health plan, HSAs offer perks and savings for the employer and participants! Employers benefit from lower reported wages (FICA tax savings), enhanced overall benefits package, and improved employee engagement and satisfaction. Employees benefit from three tax advantages: no taxes on contributions, no taxes on any interest earned, no taxes on withdrawals for qualified expenses.
COBRA
Administering COBRA and remaining in compliance with federal mandates requires an enormous investment in time, energy and resources and can become a difficult and time consuming task. At Proficient Benefit Solutions, we know COBRA. Let us use our time, energy and resources so that you don’t have to.
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Interested in pricing? Send your proposal request here.
Compliance Solutions
At Proficient Benefit Solutions, we know how difficult and time consuming plan compliance can be. Let us use our time, energy, and resources so you don't have to.
Compliance Solutions We Offer
Premium Only Plan Administration (POP)
A POP is a Section 125 Cafeteria Plan that allows employees to pay for their qualified employer sponsored premium payments on a pre-tax basis. Proficient Benefit Solutions offers seamless administration of POP plans.
ERISA Wrap
ERISA requires all private sector employers, regardless of size, to distribute a summary plan description, (SPD) to all plan participants. The SPD must describe all of the plan rules and benefits; as well as provide key information about the plan. The easiest way for employers to comply with ERISA is to adopt a Wrap document.
Non-Discrimination Testing
At Proficient Benefit Solutions, we are adept at ensuring plans are in harmony with IRS regulations. Our goal is to help clients manage and maintain compliance of their Section 125 plans. For employers and participants to enjoy tax advantages through the use of a Section 125 plan, the plan must be tested to ensure that it does not discriminate in favor of highly compensated employees (HCEs) and key employees. Our solution helps ensure that the Section 125 plan meets all Non Discrimination testing requirements.
5500 Reporting
Employers, who offer health and benefit plans, as well as large employee welfare benefit plans, must file a Form 5500 every year, reporting their plan’s involvement for the year. The Form 5500 is a critical document which must be accurate and submitted on time. Avoid penalties for non-compliance. Let Proficient Benefit Solutions help today!
Contact Us
Interested in pricing? Send your proposal request here.