We can provide full service employee benefits advisory and consulting services. As advisors and consultants, we provide our clients with the full range of services related to the design, implementation, maintenance, communication, and compliance of their health and welfare benefit plans.
Health Care Reform
Through our affiliations, Pappas Financial can assist with all aspects of Health Care Reform. Our resources include up-to-date information on a number of elements, including:
• Self-funded Plans and PPACA/Group Health Plans and PPACA • FAQs about the Health Marketplace • FAQs about the Exchange Marketplace Notice • PPACA and the Individual Shared Responsibility Requirement • Preparing for PPACA Readiness Checklist • What is My State Doing with the Exchanges & Medicaid? • Summary of Benefits and Coverage (SBC) FAQs • IRS Releases Proposed PPACA Reporting Rules • FAQs about Grandfathered Plans • HSA Limits
Medical, including HRA’s and HSA’s • Prescription Drugs • Dental • Vision • Short-Term Disability • Long-Term Disability • Life Insurance / AD&D • Long Term Care • Business Travel Accident • Voluntary Plans • Flexible Spending Account Plans (Section 125) • Parking & Transit (Section 132) • COBRA • FMLA • International Benefits • 401(k) Retirement Plans / 403(b) Plans • Individual Medicare Advantage
Fully-Insured • Partially Self-Funded • Fully Self-Funded
The Power of M Financial and UBA
Through their expertise and collaboration, our UBA partners can meet your individual needs and deliver powerful results for your company.
Today, employers face a wave of challenges that threaten their success: economic stress, rising benefit costs and ever changing health care reform, to name a few. To survive – and thrive – employers must find solutions that can control benefit costs and still provide options that will attract and retain the best workforce.
How can you do all that and know that you’re making the right choices? Start with us. We are a partner M Financial firm and we are affiliated with several United Benefit Advisors (UBA) firms, the nation’s two leading independent advisory organizations.
M Financial and UBA firms aren’t franchises – they are entrepreneurial, independently owned advisors that live in your community and understand your unique needs. While they remain independent, M Financial and UBA Partners join together in a network of information-sharing, allowing them to tap into the experiences of thousands of benefit professionals nationwide.
By gaining knowledge and resources from their colleagues across the country, our UBA partners can find sophisticated, cost-effective solutions that are equal or better than those from large brokerage firms while continuing to offer the personal service that only an independent advisor can deliver.
In addition to their expertise and pooled resources, our UBA partners share a few other vital assets – trust, integrity and total commitment to the success of their clients. By being Partners of these two organizations, Pappas Financial can demonstrate that we are committed to helping our clients craft competitive benefits packages while adhering to the highest level of ethical standards in the industry. Pappas Financial, M Financial and our UBA partners requires a real dedication to honesty, professionalism and integrity — values that translate into superior service for our clients.