BABRM's
Voluntary Employee Benefit Program By Cakewalk Benefits
BABRM's
Voluntary Employee Benefit Program By Cakewalk Benefits
Cakewalk’s turnkey program makes it easy for small businesses to access the same insurance plans and rates Fortune 500 companies offer their employees to attract and retain talent.
Cakewalk’s turnkey program makes it easy for small businesses to access the same insurance plans and rates Fortune 500 companies offer their employees to attract and retain talent.
Available To All BABRM Members
Available To All BABRM Members
Including single-employee companies and independent contractors!
Including single-employee companies and independent contractors!
OPEN ENROLLMENT WILL BE HELD FROM aPRIL 3 - APRIL 18
OPEN ENROLLMENT WILL BE HELD FROM aPRIL 3 - APRIL 18
Activate Your Business
Activate Your Business
Activate Your Business
Activate Your Business
You Now Have Access To Essential Insurance Coverage
That Protects Your Income, Health, and Life
You Now Have Access To Essential Insurance Coverage
That Protects Your Income, Health, and Life
First Class Benefits
First Class Benefits
Fortune 500 level benefits from A-rated carriers to ensure top-tier protection.
Fortune 500 level benefits from A-rated carriers to ensure top-tier protection.
Lowest Rates
Lowest Rates
We consolidate all BABRM members into one large group to deliver the lowest rates available.
We consolidate all BABRM members into one large group to deliver the lowest rates available.
Guaranteed Acceptance
Guaranteed Acceptance
The initial open enrollment offers a one-time guaranteed issue opportunity. Meaning: no medical questions, just enroll, everyone is accepted.
The initial open enrollment offers a one-time guaranteed issue opportunity. Meaning: no medical questions, just enroll, everyone is accepted.
It’s a cakewalk
It’s a cakewalk
We provide all the resources and handle the administration to make offering and enrolling in benefits a breeze.
We provide all the resources and handle the administration to make offering and enrolling in benefits a breeze.
All products are through
All products are through
All products are through
All products are through
Review Our Products and Pricing Below
Review Our Products
and Pricing Below
Review Our Products and Pricing Below
Activate My Account
Activate My Account
Activate My Account
Activate My Account
How the Program Works
How the Program Works
1
Activate Your Account
All BABRM members are registered and ready to enroll in benefits - all you need to do is activate your account.
2
Communicate the Program to Your Staff
Cakewalk has created a custom landing page to introduce employees to your new benefit program, including coverage options and pricing. This link will be sent to you upon activation to forward to your employees.
3
Enrollment into Benefits
You and and your full time employees
(20+ hrs) login to your companies secure Cakewalk portal to make their benefit elections.
4
Automated
Benefit Summary
You receive a detailed summary of all employee-elected benefits, including the total monthly billing amount to your company and a per-pay-period breakdown for setting up payroll deductions.
5
One-Time Payment Setup for Recurring Payments
You will set up an ACH draft for a recurring monthly payment—deduct the premiums your employees owe from payroll (just like you would taxes) and remit them to Cakewalk on your employees’ behalf.
1
Activate Your Account
All BABRM members are registered and ready to enroll in benefits - all you need to do is activate your account.
2
Communicate the Program to Your Staff
Cakewalk has created a custom landing page to introduce employees to your new benefit program, including coverage options and pricing. This link will be sent to you upon activation to forward to your employees.
3
Enrollment into Benefits
You and and your full time employees
(20+ hrs) login to your companies secure Cakewalk portal to make their benefit elections.
4
Automated
Benefit Summary
You receive a detailed summary of all employee-elected benefits, including the total monthly billing amount to your company and a per-pay-period breakdown for setting up payroll deductions.
5
One-Time Payment Setup for Recurring Payments
You will set up an ACH draft for a recurring monthly payment—deduct the premiums your employees owe from payroll (just like you would taxes) and remit them to Cakewalk on your employees’ behalf.
1
Quick & Simple
Account Activation
Your account is pre-built - just one click to activate and you're set
All BABRM members are already in our system no application needed!
Quick & Simple
Account Activation
Your account is pre-built - just one click to activate and you're set
All BABRM members are already in our system no application needed!
2
Ready Made Employee
Communication
Ready-made communications to help your team understand and self-register for your new voluntary benefit program.
Just share our ready made communications to introduce your employee benefits program.
Ready Made Employee
Communication
Ready-made communications to help your team understand and self-register for your new voluntary benefit program.
Just share our ready made communications to introduce your employee benefits program.
3
Self-Service
Enrollment Portal
Owners & employees are able to easily learn about products, pricing and make informed coverage selections
Average enrollment completion time: under 3 minutes
Self-Service
Enrollment Portal
Owners & employees are able to easily learn about products, pricing and make informed coverage selections
Average enrollment completion time: under 3 minutes
4
Automated Benefit Summary
Instant digital detailed summary of all employee elections to easily manage voluntary payroll deductions
Digital documents & reports for payroll deductions
Automated Benefit Summary
Instant digital detailed summary of all employee elections to easily manage voluntary payroll deductions
Digital documents & reports for payroll deductions
5
One-Time Payment Setup For Recurring Payments
Your business is billed for all enrolled employees in your company’s benefit program.
Choose your approach: Pay for specific benefits, contribute a percentage, provide an allowance, or let employees self-fund
One-Time Payment Setup For Recurring Payments
Your business is billed for all enrolled employees in your company’s benefit program.
Choose your approach: Pay for specific benefits, contribute a percentage, provide an allowance, or let employees self-fund
Groundbreaking Zero-Touch Process:
Ready In 5 Minutes
2
Ready Made Employee
Communication
Ready-made communications to help your team understand and self-register for your new voluntary benefit program.
Just share our ready made communications to introduce your employee benefits program.
Ready Made Employee
Communication
Ready-made communications to help your team understand and self-register for your new voluntary benefit program.
Just share our ready made communications to introduce your employee benefits program.
1
Quick & Simple
Account Activation
Your account is pre-built - just one click to activate and you're set
All BABRM members are already in our system no application needed!
Quick & Simple
Account Activation
Your account is pre-built - just one click to activate and you're set
All BABRM members are already in our system no application needed!
3
Self-Service
Enrollment Portal
Owners & employees are able to easily learn about products, pricing and make informed coverage selections
Average enrollment completion time: under 3 minutes
Self-Service
Enrollment Portal
Owners & employees are able to easily learn about products, pricing and make informed coverage selections
Average enrollment completion time: under 3 minutes
4
Automated Benefit Summary
Instant digital detailed summary of all employee elections to easily manage voluntary payroll deductions
Digital documents & reports for payroll deductions
Automated Benefit Summary
Instant digital detailed summary of all employee elections to easily manage voluntary payroll deductions
Digital documents & reports for payroll deductions
5
One-Time Payment Setup For Recurring Payments
Your business is billed for all enrolled employees in your company’s benefit program.
Choose your approach: Pay for specific benefits, contribute a percentage, provide an allowance, or let employees self-fund
One-Time Payment Setup For Recurring Payments
Your business is billed for all enrolled employees in your company’s benefit program.
Choose your approach: Pay for specific benefits, contribute a percentage, provide an allowance, or let employees self-fund
Questions? We've Got Answers
Your benefits journey made simple. Here are answers to the most common questions business owners ask about our program—from payment details to enrollment timelines.
What is the effective date of the policies?
For this initial open enrollment, your plan will go into effect on July 1, 2025.
For new hires to your company, they must enroll within the first 60-days of employment. Their benefits will go into the 1st of the month following 90-days of employment.
Can my employees pay for their benefits directly?
Your employees do not pay directly. The benefit plan is contracted directly with your company; therefore, your company will be invoiced monthly, from our third party administrator - Howell Benefits - for all the benefits your employees are enrolled in.
The company is responsible to payroll deduct any outstanding premiums and remit them on your employees behalf.
To assist, you will receive a detailed summary of all employee-elected benefits, including the total monthly billing amount to your company and a per-pay-period breakdown for setting up payroll deductions.
How do I pay?
You will be asked to set up an ACH draft for a recurring monthly payment.
Your company will receive a monthly invoice from our Third Party Administrator - Howell Benefits, on the 1st of the month prior to the month of coverage ex: you will be invoiced June 1 for July coverage.
The ACH draft will be made on or around the 24th of each month.
How can I check if my current dentist or eye doctor is in-network?
Use these links to confirm whether your existing providers participate in the MetLife networks.
MetLife Dental Provider Search
Can Independent Contractors participate?
Yes! Independent contractors may enroll in coverage as long as they are members of the BABRM. They will follow the same enrollment process as business owners.
How can I see my benefit information?
Once your enrollment is complete, you'll receive instructions to create an account on your dedicated member portal. There, you can view and download your certificate details, coverage information, and other policy documents.
How can I add or remove employees after open enrollment ends?
You can easily add or remove employees anytime through your member portal. With just a few clicks, you can make updates, and the changes will be processed seamlessly.
Can I make a change to my coverage after open enrollment ends?
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
All insurance products offered through Cakewalk Benefits are backed by our preferred carrier partner, MetLife.
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
When do my benefits end if I leave my job or am terminated?
In most cases, your benefits will remain active until the end of the month in which you leave your job, whether you resign or are terminated. However, some employers may choose to terminate coverage immediately upon your departure. It's best to check with your employer or review your plan details to confirm your specific coverage end date.
How can I file a claim?
We’ve made filing a claim as straightforward as possible:
Obtain Care: Once you or a covered dependent receives care, you or your provider can submit the relevant claim form.
Submit Documentation: Forms are available through your dedicated benefits portal or by contacting the carrier’s customer service. Make sure to include any required documentation, such as itemized bills or receipts.
Processing & Approval: The insurance carrier processes your claim within a standard timeframe, after which you receive an Explanation of Benefits (EOB) detailing covered services and costs.
Questions?
We've Got Answers
Your benefits journey made simple. Here are answers to the most common questions business owners ask about our program—from payment details to enrollment timelines.
What is the effective date of the policies?
For this initial open enrollment, your plan will go into effect on July 1, 2025.
For new hires to your company, they must enroll within the first 60-days of employment. Their benefits will go into the 1st of the month following 90-days of employment.
Can my employees pay for their benefits directly?
Your employees do not pay directly. The benefit plan is contracted directly with your company; therefore, your company will be invoiced monthly, from our third party administrator - Howell Benefits - for all the benefits your employees are enrolled in.
The company is responsible to payroll deduct any outstanding premiums and remit them on your employees behalf.
To assist, you will receive a detailed summary of all employee-elected benefits, including the total monthly billing amount to your company and a per-pay-period breakdown for setting up payroll deductions.
How do I pay?
You will be asked to set up an ACH draft for a recurring monthly payment.
Your company will receive a monthly invoice from our Third Party Administrator - Howell Benefits, on the 1st of the month prior to the month of coverage ex: you will be invoiced June 1 for July coverage.
The ACH draft will be made on or around the 24th of each month.
How can I check if my current dentist or eye doctor is in-network?
Use these links to confirm whether your existing providers participate in the MetLife networks.
MetLife Dental Provider Search
Can Independent Contractors participate?
Yes! Independent contractors may enroll in coverage as long as they are members of the BABRM. They will follow the same enrollment process as business owners.
How can I see my benefit information?
Once your enrollment is complete, you'll receive instructions to create an account on your dedicated member portal. There, you can view and download your certificate details, coverage information, and other policy documents.
How can I add or remove employees after open enrollment ends?
You can easily add or remove employees anytime through your member portal. With just a few clicks, you can make updates, and the changes will be processed seamlessly.
Can I make a change to my coverage after open enrollment ends?
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
All insurance products offered through Cakewalk Benefits are backed by our preferred carrier partner, MetLife.
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
When do my benefits end if I leave my job or am terminated?
In most cases, your benefits will remain active until the end of the month in which you leave your job, whether you resign or are terminated. However, some employers may choose to terminate coverage immediately upon your departure. It's best to check with your employer or review your plan details to confirm your specific coverage end date.
How can I file a claim?
We’ve made filing a claim as straightforward as possible:
Obtain Care: Once you or a covered dependent receives care, you or your provider can submit the relevant claim form.
Submit Documentation: Forms are available through your dedicated benefits portal or by contacting the carrier’s customer service. Make sure to include any required documentation, such as itemized bills or receipts.
Processing & Approval: The insurance carrier processes your claim within a standard timeframe, after which you receive an Explanation of Benefits (EOB) detailing covered services and costs.
Questions? We've Got Answers
Your benefits journey made simple. Here are answers to the most common questions business owners ask about our program—from payment details to enrollment timelines.
What is the effective date of the policies?
For this initial open enrollment, your plan will go into effect on July 1, 2025.
For new hires to your company, they must enroll within the first 60-days of employment. Their benefits will go into the 1st of the month following 90-days of employment.
Can my employees pay for their benefits directly?
Your employees do not pay directly. The benefit plan is contracted directly with your company; therefore, your company will be invoiced monthly, from our third party administrator - Howell Benefits - for all the benefits your employees are enrolled in.
The company is responsible to payroll deduct any outstanding premiums and remit them on your employees behalf.
To assist, you will receive a detailed summary of all employee-elected benefits, including the total monthly billing amount to your company and a per-pay-period breakdown for setting up payroll deductions.
How do I pay?
You will be asked to set up an ACH draft for a recurring monthly payment.
Your company will receive a monthly invoice from our Third Party Administrator - Howell Benefits, on the 1st of the month prior to the month of coverage ex: you will be invoiced June 1 for July coverage.
The ACH draft will be made on or around the 24th of each month.
How can I check if my current dentist or eye doctor is in-network?
Use these links to confirm whether your existing providers participate in the MetLife networks.
MetLife Dental Provider Search
Can Independent Contractors participate?
Yes! Independent contractors may enroll in coverage as long as they are members of the BABRM. They will follow the same enrollment process as business owners.
How can I see my benefit information?
Once your enrollment is complete, you'll receive instructions to create an account on your dedicated member portal. There, you can view and download your certificate details, coverage information, and other policy documents.
How can I add or remove employees after open enrollment ends?
You can easily add or remove employees anytime through your member portal. With just a few clicks, you can make updates, and the changes will be processed seamlessly.
Can I make a change to my coverage after open enrollment ends?
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
All insurance products offered through Cakewalk Benefits are backed by our preferred carrier partner, MetLife.
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
When do my benefits end if I leave my job or am terminated?
In most cases, your benefits will remain active until the end of the month in which you leave your job, whether you resign or are terminated. However, some employers may choose to terminate coverage immediately upon your departure. It's best to check with your employer or review your plan details to confirm your specific coverage end date.
How can I file a claim?
We’ve made filing a claim as straightforward as possible:
Obtain Care: Once you or a covered dependent receives care, you or your provider can submit the relevant claim form.
Submit Documentation: Forms are available through your dedicated benefits portal or by contacting the carrier’s customer service. Make sure to include any required documentation, such as itemized bills or receipts.
Processing & Approval: The insurance carrier processes your claim within a standard timeframe, after which you receive an Explanation of Benefits (EOB) detailing covered services and costs.
Questions? We've Got Answers
Your benefits journey made simple. Here are answers to the most common questions business owners ask about our program—from payment details to enrollment timelines.
What is the effective date of the policies?
For this initial open enrollment, your plan will go into effect on July 1, 2025.
For new hires to your company, they must enroll within the first 60-days of employment. Their benefits will go into the 1st of the month following 90-days of employment.
Can my employees pay for their benefits directly?
Your employees do not pay directly. The benefit plan is contracted directly with your company; therefore, your company will be invoiced monthly, from our third party administrator - Howell Benefits - for all the benefits your employees are enrolled in.
The company is responsible to payroll deduct any outstanding premiums and remit them on your employees behalf.
To assist, you will receive a detailed summary of all employee-elected benefits, including the total monthly billing amount to your company and a per-pay-period breakdown for setting up payroll deductions.
How do I pay?
You will be asked to set up an ACH draft for a recurring monthly payment.
Your company will receive a monthly invoice from our Third Party Administrator - Howell Benefits, on the 1st of the month prior to the month of coverage ex: you will be invoiced June 1 for July coverage.
The ACH draft will be made on or around the 24th of each month.
How can I check if my current dentist or eye doctor is in-network?
Use these links to confirm whether your existing providers participate in the MetLife networks.
MetLife Dental Provider Search
Can Independent Contractors participate?
Yes! Independent contractors may enroll in coverage as long as they are members of the BABRM. They will follow the same enrollment process as business owners.
How can I see my benefit information?
Once your enrollment is complete, you'll receive instructions to create an account on your dedicated member portal. There, you can view and download your certificate details, coverage information, and other policy documents.
How can I add or remove employees after open enrollment ends?
You can easily add or remove employees anytime through your member portal. With just a few clicks, you can make updates, and the changes will be processed seamlessly.
Can I make a change to my coverage after open enrollment ends?
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
All insurance products offered through Cakewalk Benefits are backed by our preferred carrier partner, MetLife.
Yes! You can update your plans at any time—changes will take effect the following month. If you need to cancel a plan, you can do so anytime, with cancellation effective the next month.
When do my benefits end if I leave my job or am terminated?
In most cases, your benefits will remain active until the end of the month in which you leave your job, whether you resign or are terminated. However, some employers may choose to terminate coverage immediately upon your departure. It's best to check with your employer or review your plan details to confirm your specific coverage end date.
How can I file a claim?
We’ve made filing a claim as straightforward as possible:
Obtain Care: Once you or a covered dependent receives care, you or your provider can submit the relevant claim form.
Submit Documentation: Forms are available through your dedicated benefits portal or by contacting the carrier’s customer service. Make sure to include any required documentation, such as itemized bills or receipts.
Processing & Approval: The insurance carrier processes your claim within a standard timeframe, after which you receive an Explanation of Benefits (EOB) detailing covered services and costs.
Cakewalk
benefits
Cakewalk Benefits leverages technology in a world to offer every small business owner comprehensive, competitive benefits packages without the complexity and overhead traditionally associated with them to attract and retain top talent.
Website Links
Cakewalk Benefits Copyrighted © 2025
Cakewalk
benefits
Cakewalk Benefits leverages technology in a world to offer every small business owner comprehensive, competitive benefits packages without the complexity and overhead traditionally associated with them to attract and retain top talent.
About the program
Rates & Coverages
How it Works
Good To Know
Cakewalk Benefits Copyrighted © 2025
Cakewalk
benefits
Cakewalk Benefits leverages technology in a world to offer every small business owner comprehensive, competitive benefits packages without the complexity and overhead traditionally associated with them to attract and retain top talent.
Website Links
Cakewalk Benefits Copyrighted © 2025
Cakewalk
benefits
Cakewalk Benefits leverages technology in a world to offer every small business owner comprehensive, competitive benefits packages without the complexity and overhead traditionally associated with them to attract and retain top talent.
Website Links
Cakewalk Benefits Copyrighted © 2025