National Benefit Consultants, Inc.

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National Benefit Consultants, Inc. (NBCI) has established relationships with the best and most affordable major medical insurance companies worldwide.

NBCI offers a complete range of products in infinite combinations uniquely suited to meet the employer and the employees' needs.

NBCI offers small business owners choice of health plans, networks, and pricing to meet the needs of your employees. You can choose from traditional health plans to consumer-driven plans or a combination of the two.

Looking for a Traditional Health Plan?
The traditional health plan designs allow you to choose from a variety of co-pays, deductibles, and co-insurance options paired with a narrow regional or statewide network.

Looking for a Consumer Driven Health Plan?
Consumer Driven Health Plans help you control health benefit costs by getting your plan participants more engaged in cost/benefit decisions related to their health care. With a broad base of flexible plan options, comprehensive decision support tools, and personalized health care support services, NBCI provides the elements essential to successfully introduce consumer-driven health care into your workplace.

Consumer Driven Plans
These plans let you offer your employees a package of health plan options. You fund a base plan and provide the choice of an additional buy-up plan. Employees then choose the plan that best matches their needs. You benefit from improved cost control and predictability, while your employees are empowered with meaningful health plan choices.

HSA-Qualified High-Deductible Health Plan (Health Savings Account)
HSA-Qualified High-Deductible Health Plans deliver premium savings with a range of deductible and co-insurance options. And your employees are empowered with a completely portable, tax favored savings account that they can use to pay for out-of-pocket expenses.

Congress, in its final hours, passed legislation that addressed a number of areas supporters believe will make HSAs more attractive to individuals, employees, and employers.

Part of the Tax Relief and Health Care Act of 2006 contained provisions that went into effect on January 1st, 2007, letting workers transfer money from FSAs and HRAs into HSAs. It will allow one-time transfers from IRAs to be used to fund an HSA.

Also, the legislation would raise the contribution limits for many workers. Currently, taxpayers with a qualified health plan are permitted to make deductible contributions equal to the lesser of the deductible or an indexed amount (click here). The bill sets the contribution limits at the indexed amounts and expands the contribution limitation for individuals who are covered only part of a year under a qualified health plan.

HRA Plan (Health Reimbursement Arrangement)
This cost-saving plan is similar to an HSA except that the tax deductible HRA funds are held in your business account, and stay there even if an employee leaves the plan. If you are looking for a health plan design that gives you more control over the funds you contribute to individual employee accounts, check out an HRA plan.