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Anthem life Insurance-ASO plans Administrative Services Only (ASO) Plans

Sometimes larger employers wish to fund employee benefits for short term disabilities as they occur, rather than buying a traditional insurance plan. However, removing the insurer from the picture means the employer becomes responsible for all of the specialized functions involved in administering an STD plan. That may be more than the employer wants to take on. An Administrative Services Only plan from Anthem Life can give employers the best of both worlds. It features three segments that are as follows.
• Why use an ASO Plan
• Standard ASO services
• ASO options

Why use an ASO plan?
With an ASO plan, the employer funds the claim payments but pays Anthem Life to process the claims. This relieves the employer, of the responsibility for deciding which claims qualify for payment under the benefit plan and which ones does not .Having Anthem Life make the payment determinations gives the employer full access to our experience and resources, ensures the privacy of employee health information, and protects the employer and employees by providing a totally objective claim evaluation process.

Standard ASO services

Under a standard ASO arrangement, Anthem Life examines and evaluates claims, prepares biweekly benefit payments, and sends the payments to the employer for distribution. We do required withholding for income taxes and for the employee’s portion of Social Security and Medicare taxes. Then we provide detailed monthly and annual paid claim reports, to keep the employer fully informed.

Administrative Services Only (ASO) Plans

Sometimes larger employers wish to fund employee benefits for short term disabilities as they occur, rather than buying a traditional insurance plan. However, removing the insurer from the picture means the employer becomes responsible for all of the specialized functions involved in administering an STD plan. That may be more than the employer wants to take on. An Administrative Services Only plan from Anthem Life can give employers the best of both worlds. It features three segments that are as follows.
• Why use an ASO Plan
• Standard ASO services
• ASO options

Why use an ASO plan?
With an ASO plan, the employer funds the claim payments but pays Anthem Life to process the claims. This relieves the employer, of the responsibility for deciding which claims qualify for payment under the benefit plan and which ones does not.

Having Anthem Life make the payment determinations gives the employer full access to our experience and resources, ensures the privacy of employee health information, and protects the employer and employees by providing a totally objective claim evaluation process.

Standard ASO services

Under a standard ASO arrangement, Anthem Life examines and evaluates claims, prepares biweekly benefit payments, and sends the payments to the employer for distribution. We do required withholding for income taxes and for the employee’s portion of Social Security and Medicare taxes. Then we provide detailed monthly and annual paid claim reports, to keep the employer fully informed.

ASO options

ASO Life can customize the services to meet the special needs, which are as follows.

• Coordinate claim activity and reporting for multiple employer locations.
• Pay benefits weekly or mail benefit checks directly to the employees or send the employer a payment advisory instead of a benefit check so the employer can make payments through their payroll system.
• Prepare benefit plan description materials for the employees.
• Perform tax withholding beyond what is required, or produce W-2’s and W-2 data filings.

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Individual & Family Plans                          Child Only Plans - Ages 0-18                                       Senior Plans - Ages 65+

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* Child under one year: use age "0"

Requested Effective Date:   August   September  October

*What is your current health plan premium? (optional)    $  /month

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Our flexible ASO services allow each employer define the ideal balance of control and protection. The employer gains the desired cash flow advantages. Anthem Life provides professional claim evaluation and does as much (or as little) of the benefit administration as the employer chooses.

ASO Life can customize the services to meet the special needs, which are as follows.

• Coordinate claim activity and reporting for multiple employer locations.
• Pay benefits weekly or mail benefit checks directly to the employees or send the employer a payment advisory instead of a benefit check so the employer can make payments through their payroll system.
• Prepare benefit plan description materials for the employees.
• Perform tax withholding beyond what is required, or produce W-2’s and W-2 data filings.

Our flexible ASO services allow each employer define the ideal balance of control and protection. The employer gains the desired cash flow advantages. Anthem Life provides professional claim evaluation and does as much (or as little) of the benefit administration as the employer chooses.

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