Cost Effective Employee Benefits 

Group Medical

Much more than your typical health insurance broker, we are group benefits advisors specializing in fully insured and self-funded health plans with a solid track record for cost containment.

Our medical plans include:

• Fully-Insured Health Plans, Self-Funded Health Plans, and Consumer-Directed Health Plans (HRA, HSA), Coverage First, etc.
• Put an end to rising health costs with new ACA compliant plans available 
• Keep your employees and dependents healthy with no compromise in healthcare benefits
• Nationwide networks of quality providers
• Choose from various Deductibles, Out of Pocket Expenses & Copays
• Single or multiple plans

Prescription Drug Plans

• Combined with all major medical plans we sell
• Multi tiered (three or Four): covered drugs are grouped into  generic, brand-name and specialty medications
• Different co-payments for each tier. The lower the drug level, the less you pay
• Mail order prescriptions
• Deductibles may apply for some plans
   

Tier 1: Low-cost generic and brand-name drugs 

Tier 2: Higher-cost generic and brand-name drugs

Tier 3: Higher-cost brand name drugs. These drugs may have generic or brand-name alternatives   

Tier 4: Includes self-administered, injectable medications, and high-technology drugs. These drugs may cost you more than drugs in Levels One, Two, or Three

Group Dental

Group Dental insurance is an important component of an employee benefits package. After medical and prescription drug coverage, dental coverage is the most utilized health care benefit. 

Scientific findings show an important connection between oral health and overall health. In fact, evidence indicates a possible association between oral disease and serious conditions like diabetes and cardiovascular disease. 

Providing a dental plan to employees helps them maintain ongoing, preventative oral health whether as voluntary or employer sponsored.

We can help your company provide dental insurance as part of your employee benefits package and overall employee wellness strategy.

Benefit designs can include Preventive, Basic and Major services - including cleaning, exams, fillings and more Flexible Contribution Levels so you can pay all or a portion of the premium.

Group Vision

Vision insurance plans and vision discount plans are easy, inexpensive ways to add value to your benefit program.

A vision care plan can help protect not just your vision, but your overall health. Regular eye exams can help you see clearly. They may also help detect serious conditions early.

We offer both insurance and discount plans from reputable carriers.

• Fixed copayment for annual exam with an in-network provider
• Savings on eyewear and contact lenses
• Full range of frames, prescription lenses and contacts

Many of these offerings may be funded on a non-contributory, contributory, or voluntary basis.

Group Life and AD&D

Group Life and AD&D insurance provides protection and financial security to your employees. Whether you choose to provide life insurance coverage for your employees, offer it as a voluntary benefit, or a combination of the two, your employees will value this benefit.

Accidental Death & dismemberment Insurance can help overcome the financial disaster resulting from a permanent injury or death from an accident.

Group Short Term Disability (STD)

STD generally allows for payments to the employee to begin after about a two week waiting period and will continue to pay the employee until he/she recovers or maxes out the benefits--usually anywhere between one month to two years, depending on the policy. 

Group Long Term Disability (LTD)

LTD generally allows for payments to the employee to begin after about a 90 day waiting period, although it could be much longer depending on the policy, but will continue to pay the employee far longer than STD will--for a few years, up to age 65, or even for a lifetime.

GAP (Supplemental) Insurance

GAP insurance is intended to help cover the high out-of-pocket expenses normally associated with a low premium, high deductible health plan. 

When you purchase a GAP policy, the additional benefits help to cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services. For example, if you have a $5,000 deductible on your major medical plan, gap coverage may pay up to $4,000 of that deductible. 

Because the premiums are very reasonable on GAP policies, most employers find that purchasing the extra coverage along with a high deductible, low premium plan is much less than one stand alone lower deductible, major medical policy.

Supplemental Life

Supplemental Life Insurance allows you to choose Life Insurance coverage in addition to your group plan coverage at the same low group rates. This coverage is paid through convenient deductions from your paycheck.

Voluntary Life

Voluntary Life Insurance is an optional benefit offered by some employers where the employee pays the premium. The premiums, which are based on age and the amount of insurance purchased, may be less expensive than individual life insurance premiums because of an employee group discount. The premiums, which are based on age and the amount of insurance purchased, may be less expensive than individual life insurance premiums because of an employee group discount. This coverage is paid through convenient deductions from your paycheck.