Owners & executives
Workforce value, the net business case, decision authority, and the resources needed to implement.
Executive overview →Employer decision kit · Blue Skies Insurance Solutions
A clear case.
A coordinated decision.
Bring the right questions to your owner, HR team, finance leaders, and existing benefits advisers. Evaluate an additional benefit layer alongside the coverage you already offer.
Share with your buying team
One review. Everyone’s priorities.
Finance & payroll
Written assumptions, costs, deductions, benefit treatment, reconciliation, and independent adviser review.
Finance checklist →HR & benefits
Employee understanding, coverage compatibility, education, electronic enrollment, and service responsibilities.
HR overview →01 · Executive overview
Is the additional layer
worth adding?
BSIS helps employers evaluate supplemental benefits and also quotes group health, dental, and vision. Begin with the company’s priorities and the benefits already in place.
The starting point is a coordinated review, with your current broker welcome. A decision to change existing coverage should be explicit.
Our supplemental-benefits focus is companies able to reach at least 50 enrolled employees. We welcome nationwide inquiries and organizations with more than 499 employees. Actual eligibility and availability are reviewed separately.
Before authorizing implementation
- Confirm the benefit terms, exclusions, costs, and employee responsibilities.
- Review company-specific estimates with all premiums and fees included.
- Separate total headcount, eligible employees, likely participation, and confirmed enrollment.
- Assign an executive sponsor and HR and payroll owners.
- Approve a written implementation plan and service contacts.
02 · Finance and payroll
Ask for the complete picture.
The written analysis
- Employer and employee costs, premiums, fees, and deductions
- Gross and net payroll effects with assumptions identified
- Eligibility and participation estimates
- Treatment of benefit payments and reimbursements
- Responsibilities if assumptions or participation change
The supporting documents
- Current insurer and administrator materials
- Policy, benefit schedule, exclusions, and claims process
- Relevant plan documents and administration requirements
- Payroll specifications and sample reconciliation
- Written questions for your independent CPA and counsel
The operating controls
- Named payroll contact and test process
- Effective dates and deduction schedules
- New hires, departures, and enrollment changes
- Billing, corrections, and reconciliation ownership
- Escalation and ongoing service contacts
This checklist is not a tax opinion or a determination of a particular arrangement’s treatment. Employer-specific estimates require current documents and independent review. No universal savings amount is promised.
03 · HR and employee experience
Make the choice
understandable.
Employees should understand what a benefit covers, what it excludes, what they pay, how claims work, and what changes on payroll before they enroll.
- Confirm compatibility with existing health, dental, vision, and supplemental policies.
- Review who is eligible and how dependent coverage, if any, works.
- Assign employee education and electronic enrollment responsibilities.
- Provide accessible explanations and a place for questions.
- Identify ongoing support for claims, payroll questions, and employment changes.
04 · Coordinate the decision
A practical sequence.
Establish fit
Discuss work states, workforce, estimated participation, priorities, timing, and the existing broker relationship.
Review in writing
Bring the sponsor, HR, finance/payroll, broker, and independent advisers together around current documents and a company-specific analysis.
Approve and prepare
Confirm responsibilities, employee communications, electronic enrollment, payroll testing, and the agreed effective date.
Implementation timing depends on approvals, payroll readiness, and employee enrollment. A review request creates no coverage or obligation.
Your next step
Start with a conversation.
Initial reviews can be by phone or video. In-person meetings at our Orland Park business address are available by appointment.
Request an employer review ↗info@blueskiesinsurancesolutions.com · (708) 620-6560
15255 S. 94th Ave., Suite 500 · Orland Park, IL 60462