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Astra Employee Benefit Services

In our efforts to level the playing field for small business to compete with larger business, we provide employee benefits administration. By offering competitive, high-quality benefits, you gain the ability to attract and retain first-rate employees.

Our expertise allows for clarity in the world of healthcare and valuable guidance on benefit-related issues. Our flexibility allows us to customize benefit packages to cater to your company's specific wants and needs. Our outstanding customer service gives you a quick and confidential resource for assistance.

 

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Medical/Health Insurance

Customized for each client. The Astra Group will make every carrier available to client and will provide quotes based on requirements set forth by client management. Client can also choose to leave their current medical insurance in place if desired.

Preferred Provider Plans (PPO)

These plan types are available through The Astra Group. They allow employees to see any network doctor and go to a specialist without a referral.

High Deductible Health Plans (HDHP)

These plans, available through The Astra Group, are consumer-driven health plans with a high deductible designed to reduce health insurance costs for both clients and their employees.

Health Savings Accounts (HSA)

An account setup for employees enrolled in HDHP to contribute pre-tax dollars for use on medical expenses and is administered by The Astra Group.

Point of Service Plans (POS)

A combination of a PPO and HMO plan setup. This plan type is available to clients upon request.

Life and Accidental Death & Dismemberment Insurance

Customized for each client. Once a CSA has been executed, The Astra Group will go to work to procure insurance that meets the needs of the organization.

Medical bill handling

The Astra Group will handle the payment and administration related to the medical billing. The Astra Group will take the employee contribution from employee’s checks as a pre-tax deduction, and then will bill the client for the employer contribution on each invoice. Contributions and deductions will be divided between the two checks each month or taken in one deduction on the monthly checks.

Dental Insurance

Dental insurance is customizable. A voluntary group policy through The Astra Group is in place for employees to choose to elect coverage in which they pay 100% of the premium through payroll deduction.

Vision Insurance

Vision insurance is customizable. A voluntary group policy through The Astra Group is in place for employees to choose to elect coverage in which they pay 100% of the premium through payroll deduction.

Life Insurance

A voluntary group policy is in place through The Astra Group. Employees can choose to elect coverage in which they pay 100% of the premium through payroll deduction.

Long Term Disability

A voluntary group policy is in place through The Astra Group. Employees can choose to elect coverage in which they pay 100% of the premium through payroll deduction.

Short Term Disability

A voluntary group policy is in place through The Astra Group. Employees can choose to elect coverage in which they pay 100% of the premium through payroll deduction.

Prescription drug coverage

The medical plans put in place by The Astra Group include prescription drug coverage.

Hospital Indemnity Insurance

This is a voluntary benefit for those who choose to enroll and it is an additional benefit made available through The Astra Group to protect the client' employees.

Flexible Spending Accounts

Available through the 125 plan. Flexible spending for medical reimbursements and dependent care spending are available. Direct deductions are made from an employee’s paycheck.

Employee Assistance programs/counseling

These programs are included in a number of health plans provided by The Astra Group.

Vacation, sick and PTO accrual and tracking

The Astra Group will track the PTO time used as well as accrued. This information will be printed on each employee’s check as well as available for client representative to view through the online payroll software.

Inquiries and claims

The Astra Group assists, along with various brokers, in getting questions and claims handled promptly.

401(K) retirement plans

A multiemployer 401(K) has been established and is administered by The Astra Group. If a client desires to keep their current 401(K) plan in place, The Astra Group will handle the employee contributions through payroll deductions, credit the client back and provide a report outlining the contributions that need to be made to the provider.

COBRA / continuation administration

The Astra Group handles the administration for COBRA/State Continuation. A packet will be sent to each employee with health/dental insurance that leaves a client’s business. The Astra Group is also responsible for terminating the employee for the medical billings and managing payments if continuation is selected.

Wellness programs

A wellness program can be established and personalized by The Astra Group for a client’s company based on desires.

FMLA tracking

The Astra Group handles the administration involved in FMLA tracking. It is the client and employee’s responsibility to contact The Astra Group if FMLA time is desired.

Cancer Insurance

Cancer insurance with multiple options is available to employees upon request through The Astra Group.

Long Term Care

Assistance with establishing a plan is available through The Astra Group.

Pet Insurance

Pet insurance is available at a discounted rate for all Astra Group clients and their employees.

Prepaid Legal

This is a voluntary benefit for those who chose to enroll, and it is an additional benefit made available through The Astra Group to protect the clients’ employees.