Fantin Employee Benefits LLC
Our Capabilities include:
- Request for Proposals for all Life, Disability and Health, Dental and Vision plans
- Voluntary benefits including Automobile and Homeowners Insurance for employees
- Renewal analysis and market testing
- Assist in claim issue resolution
- Contribution analysis
- Booklet and certificate reviews
- Drug cost analysis and reduction strategies
- Reconciliation of carrier billings
- Project management of benefit implementations
- Cobra out-sourcing
- Open enrollment meeting education and communication materials
- Evidence of insurability administration
- Monthly analysis of claims data
- Large claim / stop loss analysis
- Maintain and manage weekly status log
Value Added Items
Compliance and Communications Services The benefits compliance world has been seriously affected by the health care reform requirements. Having a compliance resource who will not only help prepare you for today but have you thinking about tomorrow will give you the peace of mind that your benefits program is compliant. I am a big believer in the phrase, "You can develop the best benefit program in the world, but if it is not effectively communicated, it will not meet its intended end result." Thus, working with a communications expert who not only has taken the time to learn and understand your culture and work environment (geographic locations, languages spoken, etc.), but also is able to produce benefit materials to meet the needs of your respective audience, is priceless. You receive a quality end result, and it saves you the time of having to develop and print the materials yourself.
Our Process
- Assessment of your situation
- Determine your goals and objectives
- Complete a marketplace analysis
- Negotiate rates with carriers
- Compare plan designs and pricing
- Develop employee contribution strategy
- Simplify enrollment and billing administration
- Compliance review and implementation
- Review carrier contracts and agreements
- Provide monthly and/or quarterly updates
- Analyze monthly claims (if self-funded)
- Analyze monthly actual vs. projected costs
Comprehensive Administrative Support Services
Examples of administrative tasks include open enrollment support, state and federal disclosure and reporting, billing reconciliation and any administrative requirements associated with benefit system implementations.
Experience
Experience gives us the creativity and resources to solve problems. It also allows us to continually look for ways to reduce costs, improve plan options and resolve problems.
Our Strategy
Health Care Reform is here and it is rapidly changing how employers use benefits to attract and retain employees. The rules, costs and options have all changed. Fantin Employee Benefits can quickly identify the factors that drive your business, understand your employee population and build a customized benefit program that is understood and accepted by all. We are a strategic partner who ensures that your benefits are built around your goals and objectives, meaningful to your employees and affordable to your business. We have over 20 years of experience with both fully insured and self-funded companies. We provide dedicated customer service and proven employee benefits negotiation expertise. Through our strategic partnerships, we are a trusted adviser that our clients can turn to for various issues, not just insurance products.
About Us
Our Commitment
Everyone needs affective and affordable health insurance. Let us do the analysis to figure out what plan is the best deal for you. We can uncover a plan that fits your lifestyle and budget.
Needed Coverage
You will find insurance plans for the entire family to help cover serious medical emergencies. We can help you save on doctor visits, low-cost prescription medication and preventative health services.
Maps to the Markets
We work tirelessly to stay informed about the latest changes in the healthcare markets. We can provide you information on what your market has available right now and any expected changes.
Bobbie Fantin, Founder and Principal
Bobbie brings unparalleled life, disability, medical, dental, vision and voluntary plan management expertise to her role as Principal with Fantin Employee Benefits. For more than 20 years, Bobbie has continued to service and successfully design, implement, administer and manage life, disability, medical, dental, vision and voluntary benefits for Valassis Communications, a National Stock Exchange firm with more than 4,500 employee lives across the nation, and continually voted one of the “100 Best Companies to Work For” by both Fortune Magazine and Crain’s Detroit Business.
Bobbie previously co-founded Moroni Fantin LLC and Ideal Benefit Solutions, and worked with a team of specialists to provide clients with employee benefit strategies, in addition to individual insurance, 401(k) plans, and property and casualty insurance.
Prior to Ideal Benefit Solutions, she was Vice President with Willis Insurance handling benefit accounts for Little Caesars, the Detroit Red Wings and Detroit Tigers; and Account Executive at Seabury & Smith, the employee benefits arm of Marsh & McLennan.
Bobbie Fantin is licensed in Life, Accident & Health, and Property & Casualty.
Contact us
Personalized coverage for you and yours
Please send us a message if you have any questions.
Fantin Employee Benefits LLC
Contact Information
Bobbie Fantin
2122 Lakeside Drive
Troy, MI 48085
248-761-4676 Cell
248-879-8985 Fax
bobbie@fantineb.com
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Articles
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- Delta Dental Pandemic Relief Program Clients with effective dates of April 1, 2020 or prior, are eligible -- May 2020
- Michigan Car Insurance Changes How Michigan Car Insurance Will Change on July 1, 2020 -- May 2020
- New Social Security Cards Get SSN off cards -- Oct 2017
- 2017 Social Security COLA 0.3% increase -- Oct 16, 2016
- Can't afford health care premiums? Nonprofit can help Detroit area nonprofit helps struggling individuals, famlies pay monthly premiums just out of reach. -- Nov 16, 2015
- 2016 Medicare Part B Premium & Deductible Increases Bipartism Budget Act of 2015 Reduces Impact of 2016 Medicare Part B Premium & Deductible Increases -- Nov 2015
- Employers expect premiums to surge Health plan analysts are increasingly pointing to runaway prescription drug prices as the primary culprit in escalating premiums and co-pays. -- May 19, 2015
- Annual family health care costs hit nearly $25K A family of four with employer-sponsored health coverage is shelling out substantially more since the advent of the Patient Protection and Affordable Care Act. -- May 19, 2015
- How to Prepare for an IRS COBRA Audit Thanks to the Affordable Care Act (ACA), the compliance spotlight has shifted away from COBRA
- DOL delays new SBC template The federal government has delayed implementing proposed changes to the Affordable Care Act's Summary of Benefits and Coverage until January 2016
- To prepare for 2016, applicable large employers need to track information in 2015 - Publication 5196 (2-2015) Preparing to fill out new IRS Forms in 2016 - Form 1095-C & Form 1094-C
- The Legal Challenge to the Statutory Legitimacy of Subsides in Federally Facilitated Marketplace States -- March 4, 2015 The King v Burwell case is not challenging whether or not the law is constitutional, but instead whether the Administration has overstepped its legal authority.
- New Rule on Definition of "Spouse" Under the FMLA On Wednesday, February 25, 2015 the U. S. Department of Labor (DOL) published a final rule revising the definition of spouse under the FMLA to include all legal same-sex (and common law) marriages regardless of where the employee lives.
- Supreme Court Takes the Obamacare Subsidy Case--Justices Will Rule Before July 1 - Nov 9, 2014 In a wow moment, the Supreme Court announced Friday that they will take one of the four pending "Halbig" cases––specifically King v. Burwell.
- Healthcare Reform Timeline 2015 - 2017 - Oct 23, 2014
- Culture is Elementary - Oct 23, 2014 Just like in school, your organization’s wellness culture transforms when you give people new experiences and expectations
- 22 PPACA provisions small businesses need to know - Oct 22, 2014
- To Shop or Not - Small Employer Article - Oct 20, 2014 The Small Business Health Options Program (SHOP) is relaunching with improvements
- Employees Get Aggressive to Control Health Costs - Sept 12, 2014 Of particular concern: the 2018 excise tax on high-value plans.
- Simplified Options for Reporting of Employee-Sponsored Coverage - Sept 9, 2014 Two of the critical components of the Affordable Care Act are the individual-responsibility and employer-responsibility provisions.
- Taxation Consequences of Group Term Life Insurance - Sept 5, 2014 It can be challenging for benefits administrators to understand and calculate employees' taxable income for group term life insurance coverage.
- Short Summary of IRC 6056 Information Reporting Requirements - Aug 29, 2014 On August 28, 2014, the IRS issued draft instructions to the draft information reporting forms it previously issued on July 24th.
- Patient Protection and Affordable Care Act (ACA): Resources for Frequently Asked Questions - Aug 15, 2014 The report lists selected resources regarding consumers, employers, and other stakeholders, with a focus on federal sources. It also lists CRS reports that summarize ACA's provisions.
- Michigan Private Health Insurance Marketplace - Aug 15, 2014 The Michigan Chamber of Commerce will be launching a statewide private health insurance marketplace -- Michigan's Insurance Marketplace at www.MiChamberMarketplace.org -- on September 1, 2014.
- Start ACA Reporting - May 24, 2014 Effective in 2015, the ACA requires that employers report information about the health coverage they offer to employees. IRC Section 6055 requires employers and insurers to report information about the entity providing coverage, including contact information and a list of individuals with identifying information and the months they were covered.
- IRS Highlights Stiff Penalty for Reimbursing Individual Premiums - May 21, 2014 Since the IRS and Treasury published Notice 2013-54 in September 2013, pre-tax employer reimbursement of an employee’s individual health insurance premiums has been a hot topic of conversation.
- For 2015, Higher Limits for HSA Contributions and Deductibles - April 24, 2014 In Revenue Procedure 2014-30, issued April 24, 2014, the IRS provided the inflation-adjusted HSA contribution and HDHP minimum deductible and out-of-pocket limits, effective for calendar year 2015.
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