About ICHRAs
ICHRAs are relatively new- becoming first available in 2020. They've proven popular among employers with double digit year to year growth.
With an ICHRA, you set a defined amount that employees can use to pay for healthcare premiums and medical expenses. Then, employees choose an individual health plan. This keeps costs lower and gives more choice to employees so they can pick the plan that works best for them.
All dollars are pretax for employers and employees. Significant flexiblilty is allowed to employers on contribution amount, frequency, and differentiation among classes of employees.
Impossible Benefits provides human support and a modern tech platform to make navigation easy for employees and administration simple for employers.
A Fresh Approach Your People Will Love
Whether you decide on an ICHRA or traditional small or large group plan, we offer 4 innovative programs to support health and loyalty.
AI Doctor with Option for Human Doctor Video Visit
AI doctors are here and are impressive at coming up with a probable diagnosis based on symptoms and demographic information. They're especially useful for rare and complex conditions and for second opinions. This program offers an AI doctor to start, with the option to schedule an on-demand video visit with a real doctor for confirmation and meds, if needed.
Direct Primary Care (where available)
Direct primary care is a relatively new offering where a person or employer pays a monthly subscription to a physician for a bundle of primary care. This often includes unlimited office visits, chat, video visits, and basic labs and tests. It is not and does not go through insurance. It's a great way to get ahead of any health problems and avoid large medical costs downstream.
Hospital Concierge
No one should have to be in the hospital alone, and even family and friends can be overwhelmed by emotions and activity. 10,000 preventable medical errors occur every day in hospitals, adding risks and costs. This program offers 1:1 support from admission to post discharge, smoothing information flow, planning, and outcomes.
Benefits Navigator
Co-pays, co-insurance, deductibles...health insurance brings confusing terms only a few of us understand. And that's just the beginning. Our Benefits Navigator program uses a dedicated Slack channel to educate and empower your employees to make good benefit decisions. One to one support is available on a HIPAA secured channel for any employee who needs extra help. We're an extension of your HR department.
Group Medical, Dental, and Rx Plans
For those who want to stick with the traditional route, we offer small and large group health plans from a range of health insurers. Our mission is to offer you the best value and the right mix of plan features for your company culture. We run a process and shop every year to achieve this.
