Enhanced Customer Experience HR & Employee Benefits

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1 Enhanced Customer Experience HR & Employee Benefits When you turn to SBAM for help with complicated and expensive human resource and employee benefits programs, you re joining an organization who understands the challenges of running a successful small business. SBAM is dedicated to bringing expertise to your company, while saving you time, money, and reducing the hassles of offering competitive employee benefit plans that allow your company to compete for the employees you need to be successful. Focusing the power of small business

2 The SBAM Value Advantage Smart small business owners know when - and when not to - take risks. When it comes to human resources and employee benefits, SBAM takes much of the risk away. We know that when you re choosing health insurance and employee benefit programs for your employees, you re looking for quality programs at an affordable price. With SBAM, we provide comprehensive programs, administrative simplicity and affordable prices. We call that the SBAM Value Advantage HR & Employee Benefit Programs At SBAM, we are students of small business. Whether it be through a focus group, a formal process, or simply during a conversation with one of our members we strive to understand and then offer programs and plans that you need to attract and retain quality employees. We do this either through contracting with top firms in Michigan or building it ourselves. Our Insurance, HR and Compliance member benefits include: Blue Cross Blue Shield of Michigan (BCBSM) and Blue Care Network (BCN) small group health, dental and vision insurance Dearborn National life and disability insurance Accident Fund workers compensation insurance COBRA, Section 125 Plan, Flexible Spending Account (FSA), Health Savings Account (HSA), and Health Reimbursement Arrangement (HRA) administration Summary Plan Descriptions recruit ERISA and Affordable Care Act compliance HR advice via online and toll free hotline Payroll and employee benefit administration evaluate manage policies Human Resources reward motivate train

3 SBAM Customer Experience While our programs are great, it s your experience with our customer service team that sets us apart from our competition and keeps you from going it alone. We know that many of our members don t have a professional human resources or employee benefits staff to search the market and negotiate for the best plans. But SBAM does, and in conjunction with your independent insurance agent, we can help deliver the HR and employee benefits experience of a much larger business. Our team is just an or phone call away. SBAM members have access to our negotiated products and services and to our responsive customer service team to help you with complicated HR issues, claims and billing, enrollment and terminations, ordering new ID cards and much more. Members enrolling in our Blue Cross or BCN program will receive a free Summary Plan Description to help keep your business compliant with ERISA and the US Department of Labor. Members have access to our free HR hotline for help with sticky human resource issues. We ll help you stay compliant with ERISA and other US Department of Labor rules and regulations through easy to follow checklists, responsibility grids and web portals. SBAM Consolidated Billing & Enrollment Services SBAM members enrolling in our sponsored BCBSM/BCN, Dearborn National, COBRA Administration, Section 125 Plan, FSA, HSA and HRA programs have an additional benefit consolidated billing and enrollment services. Our consolidated billing and enrollment service brings you exclusive access to our responsive customer service team. Additionally, premium payments for Blue Cross and BCN health, dental and vision, Dearborn National life and disability, administration fees for COBRA and Section 125, FSA, HSA and HRA services will come on one consolidated invoice from SBAM once per month. This consolidated billing service allows you to make payment for SBAM services jointly (one check) and just as important, when you add or terminate an employee, you only need to communicate that once through our secure Zix or fax line. Not only can we guarantee a simple consolidated invoice, we re the only organization that has the capability to put Blue Cross and BCN premiums on the same invoice.

4 SBAM s Billing Administration Partner SBAM works with many great organizations across Michigan to bring you the best products and services possible, including TGG Solutions. Headquartered in Grand Rapids, with offices in Lansing, Kalamazoo, and Traverse City, TGG Solutions is our third party administrator (TPA) and it s their systems that open the door to consolidated billing and enrollment services that will make your life easier. When you enroll in our sponsored health, dental, vision, life and disability programs, you automatically gain access to the consolidated billing, enrollment and customer service of TGG Solutions. When this happens, you will also be able to include the monthly cost of any additional services like COBRA, Section 125, FSA, HSA and/or HRA administration on one invoice. Again... one invoice, one payment, once a month. The Cost Of SBAM Services SBAM is a membership organization, so before any of our member benefits are available to your company, you must first become a member. We have three levels of membership for your company to choose from: Basic $109, Premium $229 and VIP $369. Please visit for details on the products and services available at each member level. Because we believe in the dual goals of transparency and keeping our membership dues as affordable as possible, for those members seeking access to our wide array of human resources and employee benefits programs, there is a $5 per month fee that is included on the consolidated invoice. This fee helps to fund the cost of finding, building, and managing the products and services offered, the expertise required to get you the answers you need to both routine and complicated issues, and to help keep your plan compliant with state and federal rules and regulations. For only $5 per month, you get our customer service team, as well as our consolidated billing and enrollment services that will save you save you time and money.

5 Exclusive Customer Experience Human resources and employee benefit administration can be complicated and there are bound to be questions along the way with which you ll need assistance. SBAM can help. SBAM members, especially those enrolled in an SBAM-sponsored program, have access to an exclusive set of customer service specialists that can answer your questions about: ERISA and DOL compliance Summary Plan Descriptions COBRA administration Hiring and firing employees Section 125, FSA, HSA, and/or HRA administration BCBSM/BCN and Dearborn coverage options, ordering ID cards, claims and billing Consolidated enrollment Accident Fund workers compensation Payroll and employee benefit administration SBAM s Products and Services All of SBAM s products and services are developed for small business owners by small business owners. Our volunteer leaders and professional staff have researched services and negotiated prices that are generally only available to much larger companies. You can feel confident in choosing SBAM Approved Partners for all of your business needs. For additional information, please contact SBAM at (800) or