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Willow Health is a Fife, Washington-based, boutique administrator of employer-funded health benefits. We deliver custom, low cost, high-touch employer-funded health benefits for medium-sized businesses in the Puget Sound Region.
Your Trusted Partner for Benefits Planning
Willow Health, an alternative to traditional health insurance, was born out of the need to offer Continuant employees a quality health benefits plan and control its own skyrocketing yearly healthcare cost increases. Sound familiar? At Willow Health, we seek to understand your unique needs, values and objectives. With that knowledge, we help you design a plan that enables you to balance variables such as cost/benefit, employee morale, risk management, provider options, breadth of coverage, and cash flow.
From mitigating risk to developing a cost-savings strategy while increasing employee morale, we listen to your priorities and tailor the right health plan to meet your needs, allowing you to focus on what you do best.
Self-Funded Health Plans
The cost of traditional health insurance has become expensive and continues to rise. We replace traditional health insurance with a lower cost, self-funded health benefits plan that is compliant with federal regulatory guidelines (ERISA) while offering the coverage you want.
Minimum Essential Coverage: We help you customize the legal minimum essential coverage necessary while giving you the freedom to align coverage with your values and priorities.
Employee Wellness Program: Our wellness programs are designed to incentivize your employees to live healthier lives and prevent expensive care events.
Stop Loss Insurance: Stop loss insurance provides a second layer of coverage designed to pay for expensive health events that go above a predetermined threshold. At Willow Health, we will walk you through this optional coverage solution to find out if it is right for you.
Provider Relationships
With traditional insurance, you are limited by a PPO network. With a self-funded health benefits plan, your employees can enjoy an open network, meaning any provider is a possibility.
Medical Claims Processing
Our team helps you design a plan that controls costs and promotes complete transparency. We make the claims process easy to understand. We are responsive, flexible, and offer a consultative relationship with our members and clients.
For routine claims, we pay them out efficiently and quickly, fostering a win-win relationship between your company and providers. We protect your health benefits trust by paying only legitimate charges at fair, predetermined rates. We audit all claims to identify irregularities that warrant investigation and potential follow-up with the provider.
Customer Service
We are There for You. Always.
Navigating the world of healthcare can be confusing and overwhelming. As a boutique, local administrator of employer-funded health benefits, we provide the guidance and advocacy your employees need. We are a resource for all of your questions and support.
Self-Insured Plan Management
We manage every aspect of your plan so you don't have to. With ongoing claims utilization reports, we analyze results and provide recommendations and plan adjustments to better optimize the plan for you and your employees.
Regulatory Compliance
Compliant With Federal Regulatory Guidelines
We understand the requirements of the Affordable Care Act (ACA) that the Health and Human Services (HHS), Department of Labor (DOL), and Internal Revenue Service (IRS) place on employers. We track and manage the data, reports and efforts to help you fulfill legal requirements and remain compliant.
Examples include ERISA Compliance review, W-2 Health Benefits Cost, IRS Forms 1094-C and 1095-C (IRS Section 6056), and Summary of Benefits and Coverage (SBC).
Protecting You From Excessive Charges
A Patient Advocate has a deep understanding of your health plan and provides advice on how to optimize your health benefits, navigate the claims process, and help you resolve questions with coverage or billing.
Services include establishing provider relationships, claims management and appeals, and uncovering and resolving unreasonable billing events. Our goal is to foster a high level of employee satisfaction.
Claims Editing: We do the research to eliminate fraudulent claims and avoid paying duplicate charges.
Disputing Charges: We push back on excessive charges and enforce reasonable charges based on actual costs.
Alternate Coverage Options: We provide counsel to leverage existing government programs, and utilize creative plan structures as necessary.