NorthPoint, LLC was formed in January of 2013 with the express goal of helping the business community and individuals deal with the complex rules and regulations surrounding the Patient Protection and Affordable Care Act.
The Affordable Care Act passed in March 2010 is one of the largest and furthest reaching laws ever. The law changes nearly every law applicable to the employer-employee relationship such as HIPAA, the Fair Labor Standards Act, ERISA, the Social Security Act, the Internal Revenue Code, and the Public Health Service Act. Whether you are a large business, small business or an individual this law will affect you in one form or fashion.
Senior Partner – Aaron Van Pelt, ChHC®, REBC®, RHU®
After 15 years in the group health industry Aaron Van Pelt has obtained the Chartered Healthcare Consultant (ChHC) and Registered Employee Benefit Consultant (REBC) professional designations. The ChHC program is considered the most comprehensive credential available for benefits specialists, healthcare consultants, and financial advisors interested in effectively providing clients with cutting-edge information. The curriculum provides professionals with an in-depth understanding of the latest reforms in the healthcare mandated by recent legislation. A Chartered Healthcare Consultant (ChHC) can provide expert advice on a broad range of health insurance related topics including state exchanges; medical loss ratios; Early Retiree Reinsurance Programs (ERRPs); Flexible Spending Accounts (FSAs); Health Savings Accounts (HSAs); Cafeteria Plans; and more.
The Registered Employee Benefits Consultant (REBC) designation is the undisputed professional credential for persons who are selling or servicing the group insurance, health insurance, retirement planning, and incentive compensation markets.
The Registered Health Underwriter (RHU) designation is the undisputed professional credential for persons involved in the sale and service of disability income and health insurance. Individuals earning the RHU designation demonstrate a high level of knowledge about the principles and practices governing the disability income and health insurance business
Senior Partner – Matthew Rydell, CLU®, ChFC®,CFP®
After 22 years in the Insurance industry, Matt brings a different perspective to the group insurance planning process through his knowledge as a Certified Financial Planner. As a Certified Financial Planner (CFP), Matthew has taken extensive exams in financial planning, taxes, insurance, estate planning, and retirement. Matthew Rydell is also certified as a Chartered Financial Consultant or ChFC, which is earned by completing a comprehensive course of financial education, examinations, and practical experience.
Account Executive – Melissa Whiteman
Melissa’s professional career spans 24 years and has been centered around healthcare and customer service. She has spent the last 12 years specifically working with employers regarding their group benefit. Melissa is the key component to our ability to deliver on our promise of quality consulting and exceptional customer service. Her responsibilities will include but not be limited to:
- Employee Claims Assistance
- Billing Support
- Enrollment Support
We serve as an objective advocate for your company. We leverage our expertise to help you develop strategic benefits plans, find the right insurance products for your employees, and improve your bottom line. You can research products and solicit bids yourself, but too often, you end up choosing vendors based solely on price. Insurance reps are focused on selling you their product, so they are far from objective. The only way to ensure that you are getting expert advice and recommendations is by establishing a long-term relationship with an independent brokerage/consulting firm.
Not only are employers concerned about the new PPACA provisions but concerns over HIPAA, COBRA, ERISA and IRS Section 125 still exist and carry penalties of their own for non-compliance. Very few people realize the potential penalties associated with these laws if their welfare plans are not administered properly. Through our integrated approach we are able to help keep your benefits all “under one roof” and properly deliver the message to your employees.
In addition to being important to maximizing your ROI; communication and documentation are going to be key for an employer when we enter the new regulatory climate under the Affordable Care Act. How you offer your benefits package to your employees will be as important as what you offer them.
NorthPoint has over 30 years of insurance experience between its Senior Partners. We are at the forefront of this quickly changing industry and we work closely with our clients because we are fully committed to meeting and exceeding expectations. We believe that no one solutions fits every situation and you can rest assured that whatever solution we present will be the best fit for your case.
We are proud that so many of our clients have repeatedly turned to us for guidance and assistance with their financial futures, and we work hard to earn their loyalty every day.