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Products & Services

Products & Services

Control costs while delivering employee benefits.

Varipro partners with insurance agents and employers as a trusted third-party administrator (TPA) for employee and retiree benefits. We build customized plans tailor made for your organization. Varipro can deliver cost analysis and plan recommendations that agents, brokers, CFOs, Human Resource teams, and administrators will value. Here are the services and partnerships Varipro offers:

Medical Administration

Claims Administration As a full service third party administrator, Varipro pays claims on behalf of your organization. Stop-Loss Administration (Reinsurance) A self-funded employer will only want to assume a tolerable amount of risk. The balance of risk can be transferred to a stop-loss reinsurance policy. This helps guard against the unknown. Varipro offers deep knowledge and insights of the stop loss markets. We can help you through the often confusing process of securing stop loss coverage. Varipro maintains longstanding relationships with National (US) reinsurance carriers with the highest ratings and reliability. Many levels of Specific and Aggregate coverage are available depending on your business needs, claim history, and risk tolerance levels. Get a competitive rate for your group. Provider Network Varipro offers access to national and regional PPO networks. Contact us to determine the best fit for your employees Prescription Drug Plan Administration Let’s work together to design a prescription drug program that makes sense for both employers and employees. Varipro offers competitive pricing, flexible plan designs, and access to a broad network of retail pharmacies and mail service programs. Utilization Review + Case Management + Disease Management Varipro offers triple URAC accredited programs. These programs meet the clinical needs of clients and their employees. Varipro programs also perform cost containment in support of the plan. Wellness Program Administration Varipro offers a variety of wellness programs, including initial health assessments and ongoing result reporting customized to client needs and preferences. We employ tools that inspire healthy lifestyles. Reference Based Pricing Reference-based pricing (RBP) is an alternative to traditional healthcare pricing where reimbursement rates for medical services are based on a specific reference point rather than on a provider’s billed charge. CAMPRO CAMPRO is a health solution designed for the Construction Association of Michigan (CAM) which provides six level-funded medical plans and three prescription drug plans, combining the stability of fully insured coverage with the cost advantages of self-funding. [LEARN MORE](https://www.buildwithcam.com/campro-health-insurance)

Retiree Billing Services

Retiree Customer Service Center Dedicated customer service representatives help retirees navigate their benefits with fast, friendly, and personalized service. Individual and Split Premium Billing Varipro offers retiree premium billings on a consolidated group or individual basis. Insured Medical and Prescription Drug Plans. (Pre-65 Retirees who are disabled may also be covered.) Through our affiliations, Varipro allow employers to offer quality benefit plans to retirees, including: ● Medicare Supplement Plans ● Medicare Advantage Prescription Drug Plans ● Medicare D Prescription Plan Services Self-Funded Dental, Vision, and Hearing Plans Varipro offers plans to bolster your company’s retiree offering.

Ancillary Administration

Dental Varipro offers traditional dental plans. You can also choose from a variety of PPO network plans that generate savings for both the employer and employee. Vision Varipro offers traditional vision plans. Or you can choose from a variety of self-funded VSP Choice Network plans that generate savings for both the employer and employee. Short Term Disability Varipro’s Self-Funded Short-Term Disability (STD) program lets employers cover wage-replacement benefits without fully-insured premiums. COBRA The Consolidated Omnibus Budget Reconciliation Act (COBRA) can be a difficult responsibility for employers to administer. Varipro has the resources to perform your COBRA duties, in full compliance with the Act. Varipro will transfer current COBRA participants for the remainder of their continuation period, catch up and continue Initial Notice requirements, and provide complete COBRA administration following a qualifying event. Flexible Spending Accounts (Flex) Varipro administers Section 125 Flex plans with quick and accurate reimbursements. Employers can request debit cards for ease of administration. Employees receive an accounting with each reimbursement. Employees will appreciate both online and mobile app access to their Flex spending accounts. Employers see the balance in the account, money spent, and remaining balance. Health Savings Account (HSA) Use one debit card for HSA, FSA, HRA, LSA or commuter benefits. Funds post in real-time and integrate with our Health Cloud Portal, so employees see all balances in one place. Health Reimbursement Arrangements (HRA) A Health Reimbursement Arrangement (HRA) can help an employer reduce health insurance premiums by implementing a higher deductible health plan. It can also help employees reduce their out-of-pocket costs. Unlike a Flex account, employers fund and own their own HRA accounts. Employees receive tax-free reimbursements from this fund for qualified medical expenses, up to a fixed dollar amount per year. Varipro can help you weigh your options against your business objectives. Varipro can help employers administer an HRA account and maintain compliance with IRS regulations. Individual Coverage Health Reimbursement Arrangement (ICHRA) & Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) Moving from a defined benefit to a defined contribution approach to employee healthcare? Consider ICHRA and QSEHRA plans from Varipro. Both allow employers to reimburse employees tax-free for individual health insurance, giving employees more coverage choices to fit their unique needs. VEBA VEBA administration by Varipro includes integration with our HRA system for seamless contribution and reimbursement processing. Qualified Transportation Reimbursement Account Plans Transportation Reimbursement Accounts are a valuable employee benefit as they help employees save time and money when they use public transportation or pay for parking.

Billing + Administration Services

COBRA Administration The Consolidated Omnibus Budget Reconciliation Act (COBRA) can be a difficult responsibility for employers to administer. Varipro has the resources to perform your COBRA duties, in full compliance with the Act. Varipro will transfer current COBRA participants for the remainder of their continuation period, catch up and continue Initial Notice requirements, and provide complete COBRA administration following a qualifying event. **Summary Plan Description Writing** **Enrollment and Eligibility** **Consolidated billing for all employee benefits** **Managed care and savings reports** **Call system data analysis** **IRS form 1094/1095 data** **Government Compliance Services** **Discrimination Testing for Flexible Spending Accounts**

Varipro Special Features

**Dedicated Account Manager****Benefit and Educational Training for Employers and Agents****Employee Enrollment Sessions****Retiree Enrollment Sessions****Stop-Loss Carrier Negotiation**

Partnerships

Varipro partners with national PPO networks, pharmacy benefit managers, Medicare Supplement carriers, and other high value service providers. This assures wide provider participation and deep discounts for plan participants. Varipro also maintains business relationships with national reinsurance (stop-loss) carriers. These relationships let us negotiate competitive stop-loss rates and excellent service for our clients. PPO (Preferred Provider Organization) ● First Health/Cofinity ● Health Alliance Plan (HAP) ● CIGNA ● Other regional PPOs ● Dentemax (Dental PPO) ● Aetna Dental Network ● NovaNet (Dental PPO) ● VSP (Vision Service Plan) Prescription Benefit Management ● ProActRX ● Procare ● Express Scripts ● CVS Caremark Silverscript Retiree Services ● Hartford ● Humana ● United American ● Aetna ● CVS Caremark/Silverscript ● Express Scripts Value Added Services ● HealthJoy ● American Health Holdings ● Med Watch ● TelaDoc ● Valenz  ● Marquee Health ● CuraLinc  ● Call-A-Doc  ● Talon  ● Zelis  ● Optum  ● ELAP/I360