What combined billing does
One invoice in, individual carrier payments out.
Most employers work with separate carriers for different lines of coverage — each sends its own invoice, on its own cycle, with its own reconciliation quirks. Combined billing consolidates those into a single monthly invoice paid via one ACH debit.
We audit each carrier's bill against enrollment data before it reaches you, flag discrepancies, and then remit individual payments to each carrier from the combined total.
How it works operationally
Audit, consolidate, remit.
- Enrollment data source: Participant and election data is pulled from your benefits administration system, so the monthly statement reflects current enrollment.
- Carrier-bill audit: Each carrier's invoice is reviewed against that enrollment data using proprietary software to catch errors and avoid over payment of premiums before payment.
- Single statement: You receive one consolidated bill and a detail report listing enrolled employees, elections, and individual premium amounts.
- Single ACH debit: One payment from you; individual remittances to each carrier happen downstream.
Paired with direct billing: For members who are off active payroll (retirees, leave of absence), see direct billing — the companion service that handles premium collection from those members.
“Thank you for the support you provide to our team and service to our employees. You are by far one of the best vendors we get to work with.”
Judy Perkins
HR
Ready to optimize your benefits?
Our specialists are ready to architect a fully custom 'Combined Billing' package mapped exactly to your corporate requirements.