Heartland Independent Provider Health Insurance Trust
The multiple employer health insurance trust was created to bring employers of all sizes together to purchase health insurance as one large group. The plan is partially self-funded allowing all participating employers to benefit from reduced fixed cost without taking the risk of self-funding on their own.

Some of the benefits of participation include:

• Open Access through the Noridian Provider Network. The participants in the plan are NOT limited to the providers in the Heartland Independent Provider Network
  
• Flexibility and control of your health plan
  
• Multiple plan design options for employees.  Plan options also include a High Deductible Health Plan with a Health Saving Account.
  
• Local claims administration
  
• Additional lines of coverage including dental, life, disability and vision plans
  
• Fitness Club Membership Reimbursement
  
• Health and Productivity Services Program
  
• COBRA Administration
  
• CONVERSION CONCESSION:  All requests and documentation needed to satisfy the Notice of Creditable Coverage from a prior carrier and credit for year to date Deductible and Out-of-Pocket reporting will be handled internally with Blue Cross and Blue Shield of ND and Noridian Benefit Plan Administrators. 

Claims Administration
Noridian Benefit Plan Administrators

Noridian Benefit Plan Administrators (NBPA) works with client-specific self-funded plans and fully insured products, administering medical, dental and vision plans in conformity with plan documents.

NBPA provides toll-free customer service lines, and incoming calls are answered by customer service representatives. If the representative does not have the answer to a question, they route the call to the appropriate department. The entire staff is fully trained on plan benefits and claims administration.             

Health Savings Account (HSA)
Choice Financial, Inc.

HSAs are a great way to pay for medical care expenses on a pre-tax basis. HSAs are individually owned health reimbursement accounts that allow untaxed dollars to fund the account. Interest or dividends accumulate tax-free; and payment of qualified medical expenses has no additional tax consequences.

HSAs work hand-in-hand with high deductible health plans (HDHP). Individuals who make contributions to an HSA must be covered by an HDHP. The HDHP must satisfy minimum deductible amounts with certain out of pocket maximums. HSA account holders may not be covered by any other insurance plan that is not an HDHP or that covers benefits provided by the HDHP or below the deductible of the HDHP. There are exceptions for "permitted insurance" or "permitted coverage" products.

An HSA is required to be set up with a qualified custodian or trustee.

Choice Financial, Inc. offers:

• Online entry of withdrawal requests
• Variety of HSA investment options
• Benefits Debit Card Option >>
• HSA Web inquiry
• Electronic reporting
• Daily processing of manual claim submissions/withdrawal requests
• Free Direct Deposit

Health and Productivity Services Program
This program will assist employers in addressing the rising costs of healthcare and the increasing demands on the time and well being of employees. Healthy employees are productive employees.

Services include:

• Consultation
• Health Risk Assessment
• Personal Counseling Services
• Chemical Dependency Assessment and Educational Services
• Online Alcohol and Drug Use Self-Assessments
• Financial Counseling
• Legal Counseling
• Supervisor Help line
• Critical Incident Stress Management

The program utilizes assessment information and creates a comprehensive plan to address the health risks/costs of your business.

Fitness Club Membership Reimbursement
Exercise plays an important role in maintaining a healthy lifestyle. In order to encourage ongoing exercise, there is a fitness club reimbursement.

An employee must work out a minimum of 10 times per month to receive a $20 per month credit. This will be reimbursed on a quarterly basis and will be sent directly to the participant.

COBRA Administration
COBRA provides an option of continuation of group health coverage that otherwise might be terminated at the date employment ceases.  Claims and Benefits provide the following administrative services to members of the health trust upon completion of the Transmittal Notice:

• COBRA Election and Enrollment Form
• Premium Computation and Collection
• Notice of COBRA Law Changes
• COBRA Termination Notice

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