In Partnership with Nonstop Administration and Insurance Services, Inc.
Our Manage to Zero™ program, which emanates from our CEO's philosophy, has trended the cost of healthcare towards zero for over a decade. During this time, the healthcare industry has changed drastically, and as a result, so have our solutions. Now, with the added partnership of Nonstop, CalmHR can continue to trend the cost of healthcare towards zero.
Nonstop combines an ACA-compliant health plan from your preferred medical carrier with a section 105 medical expense reimbursement plan (MERP), which covers employee out of pocket costs.
First dollar coverage, which means no upfront copays or deductibles
Reduced or eliminated out of pocket costs for all in-network services
No change in medical carrier required
Nonstop Wellness is easy to use offering a medically-coded "visa card" that covers in network costs so the employee can enjoy a simplified healthcare experience
Attract & Retain Quality Talent
Research indicates that 78% of employees will decide to join or remain with an organization because of its benefits program. So, in this tight job market, wouldn't you want to provide your employees with a program that costs them nothing?
How It Works
Employees pay their portion of the premium, just like any other plan, but after that, Nonstop covers upfront out of pocket costs for the employee. That means no copays or deductibles - quite simply, it's first dollar coverage for in-network covered services!
To see what our Manage to Zero™ Program, in partnership with Nonstop, can mean for your organization, schedule a consult today.
Hear From Our CEO
Nonstop Administration and Insurance Services, Inc.
A health benefits program that allows employers to fund their employees' healthcare premiums and out-of-pocket expenses while also saving on premiums annually.
Hear From Our Clients
Our firm is not large enough to participate in the group savings that are available to larger employers. Joe Appelbaum has always proactively provided us with innovative ways to save money on our health care plan while continuing to offer our employees comprehensive benefits. The team has educated us on how to greatly reduce costs on our prescription drug plan and has offered suggestions to provide our participants with much needed cost-savings as well.
These experts are extremely responsive and available at any time to answer any questions that may arise. Throughout our relationship, Joseph Appelbaum and his team have taken the time to connect with our firm and truly understand our internal culture.
Joe and his staff make an annual presentation that have brought great clarity to the ever-changing subject of and available choices in the field of health care. We are satisfied and informed customers and seek to acknowledge Joe and his firm’s professionalism and outstanding hands-on service.
Great, hands-on client-focused team! All the staff have been delightful to work with and have made every effort to make sure we have what we need, get questions answered in a timely manner and resolve issues as soon as possible.
Joe and his team have always been ready to assist and resolve. They regularly follow up until an issue is resolved. Issues have been few and far between.
As an organization, we have been very pleased with the service provided. As Director of Benefits, I appreciate the robust offering, level of support, and candor that Joe and his team provide.
Our relationship with Joe Appelbaum is a true partnership. Not only does he help us navigate through open enrollment and provide us with excellent benefit options, he also educates us on changes in the health care market and offers assistance with a number of general HR questions. Joe Appelbaum helps save our organization money while improving the benefits options we are able to offer. His diligence in understanding our association and our culture helps me do my job better.
I was referred to Joe Appelbaum several times and did not pursue as there was always something else to manage. Finally—twice in one day—my partner and our personal insurance broker referred Joe. It was a sign to connect with Joe at last. I wish I made the call the first time I received the referral. Joe and his team did an unbelievable job of handling the needs of two merging companies. Their analysis cut through the noise of two companies with disparate systems, benefits, and contributions and was executed with a pragmatic and empathetic approach for our employees. Additionally, because Joe and his team found savings for us, we were able to add additional benefits for the firm that all employees welcomed. I cannot thank him and his team enough. Anyone who doesn’t sign on with Joe—don’t be like me, sign up the first time.
We appreciate Joe and the team’s attention to detail in reviewing plan options upon renewal.
They assist with developing a financial plan in the best interests of the practice and staff. The benefit review meetings with staff are exceptionally helpful and relieve a great deal of my burden when we are up for renewal. At one point, we opted for a plan that ultimately ended up having significant issues around access to care. Joe stepped in and helped us switch to a new plan 4 months into our plan year. Our employees were thrilled and the team really helped us demonstrate we truly have the best interests of our employees in mind.
Joe and his team have been responsive and accountable throughout our relationship. I would definitely recommend their service to other organizations.
Joe Appelbaum has been wonderful in helping us keep our benefits costs down and offering competitive benefits to our staff. He and his team are terrific at taking the time to understand our benefits needs and then identifying all viable options. Most importantly, they clearly lay out the costs to BOTH employer and employees of different ages and income levels for each option. We have been fortunate to work with Joe for many years, and I would recommend him highly.
Response. Response. Response. We never get “that’s not my job,” “that’s not my problem,” or even worse, no response. We get answers. We get timely answers and timely follow up. Calm has moved us through uncharted waters and helped us navigate to a much better place. Bottomline, Calm is calming. – David P. Sheldon, Owner
CalmHR has been extremely helpful for the functioning of our firm. In particular, Claire Nahzi and Zach Appelbaum have been excellent. They are both very easy to work with and always ready to answer my many questions. Claire has been very knowledgeable in navigating issues related to employees and benefits, and Zach was instrumental in setting up and maintaining our 401(k) plan. They are almost always available for same day calls to walk me through anything I need help with. I would highly recommend their services to anyone on the market for an HR firm. – Liza Koman, Business Manager
I don’t care about special treatment for myself as the CEO. I love that Potomac treats any requests or issues from my employees exactly as they do from me, with the same care and high-level attention to detail. My expectations are not only met, they are consistently exceeded. Our experience is tailored to what we need, allowing us to keep doing what we need to do for our clients.
Joe Appelbaum and his team is always available, day and night. They deeply care about their clients. We are like family! The team gets right on it and solves any claims issues we have. Joe and team have made a huge impact on our HR team and our organization overall. It’s difficult to name just one person because the entire team is always shining! They have provided consistently excellent client service throughout our entire relationship.