Health
Plan types: Preferred Provider Organization (PPO), Health Savings Account (HSA), Health Maintenance Organization (HMO), Partially or Fully Self-insured, Health Reimbursement Account (HRA), Flexible Spending Account (FSA), and Employee Assistance Programs (EAPs). It is our intent to offer health insurance products made available in and outside of specific State Exchanges. Please check our “News” area for updated information regarding Healthcare Reform and Exchange products.
Ancillary Benefits
Dental, vision, & supplemental benefits including critical illness, short-term disability, and bridge plans
Supplemental Benefits
Sometimes called “supplemental insurance,” voluntary benefits are policies you buy to add to the health and life insurance your employer may already provide. These benefits can help you pay for things your other insurance won’t, such as lost wages, out-of-pocket expenses and household bills.
Disability
The risk of disability increases with age and the cost to cover the risk increases in direct proportion to that of aging. Statistics show that for healthy adults the risk of disability is greater than it is for death. Short and long-term products are available for those interested in taking advantage of substantial cost savings realized by obtaining this coverage through a group.
Life
Besides substantial cost savings realized when obtained through a group, this benefit insures employees’ lives, and may also be used for business strategies such as: Key employee, Business Overhead, Buy/Sell Agreements, and Section 79 for C-corps. We work with Company owners to develop a protective strategy, and put into place safe-guards that meet the specific needs of their business.
Long-Term Care
Employers and employees can take advantage of substantial cost savings by obtaining this product coverage as a group.
International Travel
Info coming soon…