OUR SERVICES

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Creative Billing Solutions (CBS) provides Single Source Billing (one bill), as well as a Direct Pay option for voluntary products and group products through select benefits brokers/insurance carriers.

Direct Pay Billing

Policyholder elects benefits and completed EFT Authorization form
Method of payment: Credit Card, Bank Account Draft, or Policyholder
Authorization Form must be completed and signed by employee
Service fee charged to the employee
Monthly audits conducted
Payment sent directly to Creative Billing Solutions
Money received is sent out to reach respective carrier within 48 hours
Access to billing system only through CBS managers and employees
Once CBS is notified of additions, deletions, terminations, the CBS billing system is updated immediately
Pay detail included for carriers

Payroll Deductions - Single Source Billing

Pre-reconciled bill sent via email link
Monthly audits conducted
Ability to customize bill(s) to employer’s needs
Capability to do custom feeds to payroll systems
Money received is sent out to reach respective carrier within 48 hours
Billing statements sent via a secured email link
Access to billing system only through CBS managers and employees
Once CBS is notified of additions, deletions, terminations, the CBS billing system is updated immediately
Group products billing includes pay detail for carriers

Self Billing

Client pays based on their own payroll files totaling active deductions each month
Client review is limited to changes only monthly report once payroll deductions are active
Thru CBS, Client can provide employees with a wide variety of product choices from multiple insurance carriers with the ease of centralized administration
CBS provides deduction frequency deductions for each product chosen by employees to client 20 days prior to 1st deduction date. (this option allows for a client to never receive a bill from CBS and just send the deductions that were taken from employees payroll)
Client deducts premium from employees' payroll and sends CBS those deductions in a consistent format (format needs to be consistent each month!)
CBS will have IT design a program that matches the deductions up each month so we can send a “discrepancy” report that only lists changes that occurred with payroll. This allows a client's payroll department to only have to view a minimal number of changes from the previous month.
A discrepancy report will be sent to payroll to finalize changes (terminations, new hires, changes in plan design, LOA, etc.)
CBS will then send deductions to carriers directly