Group Benefits
BMG works with employers of all sizes to tailor a benefits plan as unique as you are. As an independent agent, we work with numerous carriers to ensure you get the best available prices and products, so you can compete for the best employees. Our core group products include:
Health
Telehealth
GAP/Supplemental Medical
Life
Dental
Disability
Vision
Critical Illness
Accident
Compliance
BMG offers an extensive menu of compliance services, many of which are at no additional cost to our clients. Some of the free value-added services include records management for employee enrollments and waivers, dissemination of required state and federal notices, and key disclosures required by ERISA, COBRA, and ACA laws.
- Employee Navigator
- Employees can complete virtually any onboarding activities here (even W-4’s and I-9’s) as well as pre-enrolling in benefits with or without the assistance of BMG
- Open enrollment can also be conducted on this site by your employees, and they can log back in at any time to review their enrollments, find all related documents, or report a life event (marriage, birth of a child, etc.).
- HR personnel can have administrative access, allowing real-time access to employee information and direct reporting of changes (new hires or terminations) to BMG.
- The software offers both payroll and carrier integrations with many partners to ensure seamless transfer of enrollment information, bridging the gap between your employees’ paychecks and your monthly invoices
- New Hire / Open Enrollment packets with required disclosures
- Each employee receives a packet each year during open enrollment or upon hire that includes all required employer notices and benefit summaries for each offered benefit.
- Applicable Large Employer and affordability calculations
- Our fee-based services include:
- COBRA Administration
- 1095 Filings
- EBCS Compliance Manuals
This service includes a comprehensive review and simultaneous documentation of your compliance responsibilities under your benefits plan, as well as assistance in the event of an audit by entities such as the DOL and EBSA.
Medicare/Individual Policies
BMG has a friendly and knowledgeable team that can help you navigate the many options available to you when you become Medicare eligible. We will help you customize a plan that works best for your personal circumstances.
Products include:
- Medicare Supplements
- Medicare Part D (prescription drug plans)
- Medicare Advantage Plans
- Individual Dental Insurance
- Individual Vision Insurance