Through its subsidiary, Metro Bureau Services, Inc., (MBS) the Metro Bureau makes high-quality, low-cost insurance coverage available to public school districts.
Patient Protection Affordable Care Act [PPACA] The law
has changed almost everything an employer knows about employee
benefits. With mandates for coverage, mandatory dates for compliance,
and coverage for employees without current coverage, the law requires
reviews of current benefits, planning for change, and studies to determine
penalties and fees.
Metro Bureau Services, Inc., a subsidiary of the
Metropolitan Detroit Bureau of School Studies, Inc. provides insurance
products and consulting services designed for the education industry as
well as the advance planning the Affordable Care Act requires. With the
most comprehensive services available, Metro Bureau Services can better
control costs, plan for future benefit needs, and provide the needed
services to explain change to employees.
Metro Bureau members have the advantage of the measurable savings
found in the cooperative process of purchasing employee benefits as well
as access to the consulting services provided by our partner, D.R.M.
Stakor & Associates, Inc. The StakorGroup has Metro Bureau specific
services such as the Rate Generator and The Estimator. The Generator
allows for quick determination of the appropriateness of rate increases,
rates needed immediately for negotiations, and general assistance in
determining the cash flow of Health Care plans. The Estimator provides
a quick and easy determination of the latest Affordable Care Act fees and
Designing plans for the education employers requires careful attention to
detail. Unlike other industry benefits, education employers need unique
benefit designs that also create savings to meet already tight budgets.
Using financially safe carriers and administrators, Metro Bureau
Services plans are based on single employer claim payments. No
employer funds are used to lower any other employer’s premiums. You
are assured of savings for your district and not accruing funds to an
Ø Group Life, Accidental Death and Dismemberment Insurance
Ø Short and Long Term Disability Coverage,
Ø Voluntary Benefits to Offset Higher Deductibles and Co Insurance
Ø Affordable Care Act Approved Health Care Plan Designs
Ø Consumer Driven Healthcare Plan Alternatives
· FSA – Flexible Spending Account
· HRA – Healthcare Reimbursement Account
· HSA – Health Savings Account
Ø Health Maintenance Organization [HMO], Preferred Provider Organization [PPO], Private Exchanges, and numerous other Alternatives
Ø Prescription Drug Coverage
Ø Dental Care Coverage
Ø Vision and Hearing Care Coverage
Metro Bureau Services Evaluations. Through D.R.M. Stakor & Associates, Inc. Metro Bureau Services offers a number of no cost services including Affordable Care Act testing for compliance, fee, and penalty testing. These are necessary tests and can provide valuable direction for compliance. Additional Services include:
Ø Frequent Newsletters and Alerts regarding the changes frequently occurring changes due to the Affordable Care Act as well as State of Michigan mandates and changes.
Ø Actuarial Services to keep plan costs within expected limits and to identify both irregularities and costly trends.
Ø As the Michigan Law requires the mandatory bidding of coverage, a complete and accurate source of Public Employers Health Benefit Act (PA 106) information, models, and reporting are available.
Ø Federally Facilitated Marketplace agents and brokers are needed to transition to the expected changes with Marketplace offerings. The StakorGroup Associates are fully licensed and trained to explore these alternatives.
It is the Metro Bureau Services, Inc. mission to: