BCA is a business process outsourcer that developes specialized software to facilitate the effort.

We offer a full range of support services, taking over the entire business process necesssary for compliance. We have the advantage that we are providing the same compliance effort for thousands of employees and consequently we can develop a scalable approach that is faster, secure and lower in cost than an employer can do on their own. Our flagship outsourcing compliance product is called Complete Comply

Our Focus is on serving Multi State compliance requirements.

When you deal with BCA we can solve your compliance needs today In Masssachusttts and tomorrow wherever they occur. We have the expertise and the experience in regulatory compliance, legal requirements and employee communications to provide end to end support for our clients. Additionally we have been pioneers in using technology to simplify and lower the cost of employee benefit plan management. Our enrollment systems have been used by millions of employees to enroll or change their coverage.

Many states are moving toward Comprehensive Health Care Reform.

Employers will have to conform to these new regulations and as states adopt new requirements BCA will be ready to help.

As of December 2007, 3 states Maine, Massachusetts and Vermont have enacted and are implementing reform plans and 12 states were moving toward comprehensive reform. Many other governors and legislators have announced similar plans. The map below will be updated by the Kaiser Foundation.

What Services are provided by BCA as an Outsourcer

Simply put, BCA provides all of the processes that an employer would have to do themselves to insure compliance and reporting with the new Massachusetts healthcare Reform. We have the advantage that we are doing the same efort for thousands of employees and consequently can develop a scalable approach that is faster, more secure and lower in cost than an employer can do themselves.

1.) BCA assists Employer in Establishing a Cafeteria Plan The employer must establish a Sec. 125 Cafeteria plan that is consistent with existing Internal Revenue Code requirements for Section 125 Cafeteria Plans and the new Mass Connector regulations requiring that a compliant plan must allow employees to pay for health insurance premiums through the plan (known as a "premium only plan") and offer access to at least one medical care coverage option.

•BCA will provide the Cafeteria document, assist in its customization, prepare a summary for employees and develop and enrollment form and enrollment process.

•BCA will prepare the Employer HIRD document for the Commonwealth.

2.) BCA creates employee Master File All employees on the file provided by the employewr such as Demographics, Health Plan status, and EE work status (FT, PT etc.) hours are added to the Master Database. The Master file will contain one record for each employee and will have indicators that denote their current status.

3.) BCA creates a file to perform the Fair Share and Free Rider Surcharge calculations

This data in the BCA Master will enable BCA to create a Calculation file that contains the data needed to perform the required coverage calculations (Fair share contribution requirement and the free rider surcharge) if necessary for the client. The data can also be used to produce the census data to be presented on the Employer HIRD form such as Number of full-time employees, Number of part-time employees, covered employees, waived coverage etc.

4.) BCA provides an Eligibility File to the Connector

This data in the BCA Master will enable BCA to create a database will be used to inform the CONNECTOR of the employee’s eligibility, first to buy from the connector and then to indicate whether the employee is eligible for the employers Cafeteria Plan and can request Pre-Tax deductions.

5.) The BCA HIRD Process

The focus of this process is to obtain the signed HIRD forms that the employer must obtain and store to comply with the requirements of the Health Reform law. After first determining who is eligible to complete the HIRD form the system will send a notice to the employee with instructions to return it by return mail or via a fax. In some cases the process can be electronic with an email going to the employee with instructions to come to a website to complete the form. Alternatively the employee can call an 800 number, answer a few questions and thereby complete the process over the phone. The process can be repeated or can use alternative electronic methods to lower costs. The Process can have redundant attempts to reach employees in the case of non-compliance. The Basic Mail and Fax HIRD Process is below.