Our
Services
We have some of the most diverse services in the industry.
Houska Insurance has a unique approach to the services provided because we have a detailed understanding of how employee benefits work. We work hand in hand with you to identify all the risk areas and mitigate any. Our approach ensures that the entire team’s objectives are synchronized with our clients which helps us surpass your expectations.
We take pride in our ability to offer customized service to each individual client. Each client is assigned a dedicated team member to manage their account. Your account manager will guide you through claims, billing discrepancies, any other questions and concerns. We act on your behalf and provide advice with your interests at heart. We give you technical advice that can be very useful when making a claim. We are up to date with the benefits and exclusions, terms and conditions, and costs of different employee insurance policies. In so doing, we strategically position ourselves to find you the most appropriate cover.
Client Support
Client Support
Group Insurance
Products
- Health
- Dental
- Vision
- Accidental Death and Dismemberment
- Permanent Life
- Term Life
- Dependent
- Short Term Disability
- Supplemental Voluntary Plans
- Life
- Accident / Disability
- Cancer
- Hospital Intensive Care
- Long-Term Care
- Short-Term Care
- Hospital Confinement Indemnity
- Specified Health Event
- Section 125 and 123 Plans
- Health Savings Account (HSAs)
- Consumer Driven Health Plans (CDHP)
- Employee Assistance Plans (EAP)
- Chiropractic and Acupuncture
- Wellness Programs
- Individual Long Term Disability
Compliance
Houska Insurance understands that the health care industry undergoes rapid changes in terms of laws, rules, and regulations. With all these changes taking place, it can be difficult to decipher what need to be adjusted specifically to your company’s policies. Our expertise and direct access to resources can help your company avoid the dire consequences faced from non-compliance. We perform a detailed analysis to spot risk and subsequently remedy it before it eats into your budget through court cases. We have a compliance team that checks all new clients that ought to be mitigate. Current clients are also taken through regular checks to avoid any surprises.
Compliance
Benchmarking
With all the changes that are rapidly taking place in the world of employee benefits, being aware of what other employers are doing is one of the most important things to do. We help you identify how similar employers are implementing new rules as well as the costs that they are absorbing and those passed over to employees. The vast benchmarking data that Houska provides will help you understand where cost-shifting and cost-cutting measures are being implemented in addition to other key metrics. We conduct one of the most detailed benchmarking from trusted sources that provide a wealth of information to guide in the decision making process.
COBRA Administration
COBRA Administration is a non-negotiable function of Human Resources. Flawlessly managing employee status at any time is difficult and mistakes are easily made. The consequences that follow non-compliance can be devastating to a company, so Houska has extended our partnership with clients even further. We make it easy for your company to flawlessly follow COBRA’s strict and complex rules. We have the best administrative service that tackles any number of employees, coverage areas, and qualified plans. We leverage our communication tools to send mandated notices. Furthermore, we send reminders to the participants and qualified beneficiaries, informing them on their account status as is required.
Cobra
Employee Feedback Surveys
Houska Insurance encourages clients to recognize the employees’ perspective. A company cannot progress without understanding what policies are working, and where there are areas for improvement. You have the option of conducting these surveys on your own. However, to get more objective feedback that can be acted upon for the benefit of all, you might want an external entity to run the surveys for you. With our employee feedback surveys service, we give your staff members a valuable opportunity to share their experiences regarding the employee benefits extended to them. In so doing, you get to learn important, honest information from your employees’ perspective.
Wellness
Corporate employees often have the misconception that it is impossible for them to stay healthy. Their assumption is understandable considering that most of their time is spent sitting in the offices and barely have the time to work on their health. As an employer, just providing them with employee benefits is not enough to put their health in shape. Houska guides you on some of the things you can do to promote good health behaviors and create a culture of wellness at the workplace. By aligning wellness with the company’s benefit programs, employees can begin to understand how their lifestyle choices affect their future, their claims experience, and thus their premiums. Such an approach not only creates good workplace culture but also attracts top-quality candidates to work for you.
Wellness