Insurance Payment Automation for Employee Benefits

Benefit premiums, collected and paid for you.

Collecting premiums and paying carriers stops being your team's job. Tabulera does both, and documents everything.

4.4x

More benefit invoices, one team

2 in 1

List bills and self-bills, one invoice

ANY

Carrier format in: PDF, Excel, CSV

Trusted by:

The complexity of monthly carrier payments

Every approved total means money to collect and carriers to pay.

Premiums collected by hand, payments made by hand - due dates, banking details and requirements in between.

The premiums have to be collected first

Premiums owed by clients, subsidiaries and locations have to be collected before anyone can pay the carriers.

Every carrier is paid differently

ACH for one, wire for another - each with its own banking details and its own required remittance information.

Every due date is tracked by hand

Different carriers, different due dates, terms and grace periods. Someone keeps the calendar and hopes nothing slips.

Proof is scattered across inboxes

Confirmations live in emails and bank files. When finance asks what was paid and when, someone digs.

How Tabulera's insurance payment automation works

Approve. Collect. Pay.

You approve the total. Tabulera's insurance premium payment automation collects the money and pays the carriers.

01 · Approve

One total, ready for payment

  • Start from your approved consolidated invoice total
  • Payment due dates, terms and grace periods set per carrier
  • Payment methods linked to each carrier and plan type
02 · Collect

Funds gathered before payments go out

  • Collect the approved amount from your organization by ACH
  • Collect premiums from clients, subsidiaries and divisions automatically
  • Payments release only after collected funds clear
03 · PAY

Every carrier paid its way

  • ACH and wire payments delivered to each carrier's bank
  • Remittance information included the way each carrier requires
  • Every payment tracked from sent to confirmed

We took on a lot more volume in a short window. Tabulera helped us scale without the administration becoming the bottleneck, which is not how that usually goes.

Frank Mengert
Founder, ebm
4.4x
More benefit invoices
20+
Groups on Payment Automation
13
Benadmin and payroll platforms

For benefits administrators

Offer premium payments. Without building the infrastructure.

Collecting client premiums and paying carriers means handling other people's money - banking relationships, treasury operations and controls most benefits administrators can't build in-house. Insurance payment automation from Tabulera is that infrastructure, ready to use.

Tabulera moves the money

Funds flow through Tabulera's account, from client collection to carrier payment.

Your team never touches funds

One process for every client

The same repeatable payment workflow, no matter what systems each client runs.

Any system, same process

A service, not an operation

Premium payments become something you offer, without building a payments team.

No new headcount needed

WHAT TYPICALLY TRIGGERS THE SWITCH

Launching new services
Month-end running late
Taking on more clients

THE PLATFORM

The last step of the billing cycle, connected to the rest.

Payments Automation closes the loop the other modules open - from enrollment data to cleared carrier payments on one carrier payment automation platform.

EDI 834 Connectivity

Enrollment flows to carriers on managed feeds - so list bills arrive built on the right data.

Learn more

Consolidated Invoicing

Combine every carrier bill, uploaded self-bill and adjustment into one configurable invoice with one total to approve.

Learn more

Payment Automation

Collect the approved amount and remit payments to every carrier, with confirmation and payment tracking.

Benefits Reconciliation

Compare carrier bills against enrollment data before payment, or against payroll after.

Learn more
75%
Faster Reconciliation
30
Days EDI go-live
$0
Premium write-offs
1M+
Lives on the platform

What's included in the benefits payment automation software

Everything you need to pay carriers. Nothing you have to build.

All of it comes standard in Tabulera's automated carrier payment software.

Carrier payment setup

Due dates, terms, grace periods and payment methods configured per carrier.

Client and subsidiary collections

Premiums collected from every client, entity or division before payment.

ACH and wire payments

Electronic payments delivered to each carrier's bank, on schedule.

Remittance advice formats

Each carrier's required remittance information maintained and included.

Payment tracking

Bank confirmations, backup documentation and full payment history, always available.

Funds clearing controls

Carrier payments release only after collected funds have cleared.

Who insurance payment automation is built for

Built for everyone with benefit premiums to pay.

Insurance payment automation FAQ

Frequently asked questions

What is insurance payment automation?

Insurance payment automation software replaces the manual premium payment work - collecting funds, paying carriers, keeping confirmations - with automated workflows. One approved total goes in; tracked, confirmed carrier payments come out.

How does it work in Tabulera?

You approve the total. Tabulera's insurance premium payment automation collects the funds from your organization or its subsidiaries, then pays each carrier once the collected funds clear - all on one carrier payment automation platform.

What payment methods does Tabulera support?

ACH and wire. Tabulera's insurance payment automation software delivers each payment to the carrier's bank, with payment statuses and confirmations kept for every payment sent.

Can premiums be collected from clients, subsidiaries or divisions?

Yes. Tabulera collects each client's or entity's share of the premium by ACH before carrier payments go out - no invoicing chase, no manual treasury work between companies.

Whose account does the money move through?

Tabulera's. Collections land in Tabulera's account and carrier payments go out from it - your organization never holds the funds. Backup documentation and bank confirmations are always available for every movement.

What makes paying carriers by hand so hard?

Different payment methods and remittance requirements for every carrier, due dates tracked by hand, funds collected from multiple entities, and payment information scattered across payment systems, inboxes and bank files - manual payment processing leaves a lot of room for error.

Who uses insurance payment automation solutions?

Benefits administrators, TPAs and PEOs that run collections and carrier payments for many clients, and employers paying multiple carriers across entities. Automated carrier payment solutions exist for any team moving premium money to insurance companies every month.

How does Payments Automation work with Consolidated Billing?

Consolidated Billing produces one total to review and approve. Payments Automation picks it up from there - collecting that amount and paying every carrier from it. Each module also runs on its own.

Does Payments Automation require the other Tabulera modules?

No. It runs on its own as an insurance payment automation solution, with Tabulera acting as your carrier payment provider for the totals you approve - and it connects to Consolidated Billing and Benefits Reconciliation when you want the full cycle on one platform.

From carrier connection to premium payment. 

One platform.

30-day EDI go-live

1M+ Lives Processed

SOC 1 Certified

Workday Innovation Partner

NAPEO Member