Welcome to Sage…
We’re about health benefits
and more. Innovative solutions, specialty products, custom
designed plans and consulting – all Intended to improve
your bottom line.
Sage experts have implemented over
700 groups nationwide. On average we save employers between
$1000 and $3000 per employee/per year while putting into
place a better benefit 90% of the time.
If you’d like to learn our approach
and you’re an agency or broker looking for ways to
enhance your benefit portfolio - check out our Learning
Services.
If you’re an HR Director or
Owner of a small or large business and you’d like
to learn our approach simply call or email us.
Quick Guide to Funding HSA’s
This form reviews a variety of alternatives for funding high deductible health insurance plans (HDHPs) and Health Savings Accounts (HSAs). Please consult with your tax counsel for assistance for your plan. We do not provide tax or legal advice. Caution: For 2011 the employee portion of Social Security taxes is reduced to 4.2% from 6.2%.
Click here to read more.
The Rand Corporation releases data supporting CDHP’s and their ability to capture and serve vulnerable populations:
“Our key finding is that in almost all cases, CDHP benefit designs affect lower income populations and the chronically ill to the same extent as non-vulnerable populations. These effects include significant reductions in overall spending that increase with the level of the deductible and greater reductions for high deductible plans when paired with health savings accounts (HSA’s) in comparison to health reimbursement arrangements (HRA’s). However, enrollment in CDHP’s also leads to reductions in care that is considered beneficial for all groups, and this may have greater heath consequences for lower income and chronically ill people than for others.”
Click here to read more.
New HIPAA Privacy and Security requirements affect you – the broker!!
The Health Information Technology for Economic and Clinical Health Act (HITECH) was passed as part of The American Recovery and Reinvestment Act of 2009. The HITECH provisions include the direct regulation of business associates, breach notification requirements, additional individual privacy rights, and strengthened enforcement with significantly increased penalties. The changes will take effect on February 17, 2010.
As a broker you need to take additional measures to ensure your compliance - including the use of secure, encrypted messaging for any information containing PMI (such as social security numbers). Additionally, you will need to conduct a formal risk assessment, appoint a security officer, develop written security policies and procedures, and train your employees on HIPAA and how to protect PHI.
To order your HITECH Packet and get compliant today click here.
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Quick Links
Need to set-up an HSA Account but don’t know where
to start? Click
here for a hassle-free approach. Sage recommends
American Chartered Bank to all of our clientele. No monthly
fees is an absolute must.
> Telemedicine, Dental and
Vision Discount Program
> My Benefits Channel
> HSA
Education
> OasisAdvantage
> PBM Services
> An Employer's Guide to HSAs, by Larry Grudzien, Attorney at Law.
> HITECH Packet for Brokers
Library
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