EMPLOYEE BENEFITS
We make your life easier. Not only do we offer a wide range of employee benefit options, we can also manage those benefits for you. From enrollment solutions to annual re-enrollment, we do the heavy lifting.
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Because we offer a comprehensive portfolio of products, we are able to customize a benefits package that meets your unique needs. We can consolidate all of your benefit needs into one seamless package or simply offer as little as one benefit to your employees.
Health Insurance
In the complex world of group health insurance, our unique approach prioritizes both quality of coverage and affordability. We reject the idea that all groups are the same. We partner with many different carriers to provide our clients with coverage the truly meets their needs. we work with the large carriers and with smaller boutique carriers to maximize your choice while utilizing nationwide networks such as Anthem, Aetna, Cigna, and PHCS networks. Moreover, we offer multiple carriers who utilize reference based pricing models. This means we can offer unique coverages customized for you.
Supplemental Benefits
Supplemental Insurance is income protection. The fact is that most people do not have enough savings to absorb the financial fall out from an illness or accident. For them, if they don’t work, they won’t be paid. So the smallest accident or illness can easily set a family back significantly. This problem is compounded exponentially by the fact that most health insurance plans require the insured to pay a deductible before paying for treatment. The result: many people avoid getting needed treatment because they neither have the money to pay a high deductible, nor do they have the ability to miss work. If the injury or illness is serious one trip to the emergency room can easily open the door to bankruptcy!
This situation can be avoided by supplemental insurance. Rather than paying a doctor, hospital, or pharmacy, supplemental policies pay you. They allow the average person to get the necessary medical help without worrying about missing pay. They supplement the insureds income to help them weather the storm of unexpected medical bills.
What's Available?
Short Term Disability:
A STD policy replaces ones net income should they become disabled due to and illness or injury. A STD policy can cover an individual from 3 months to 2 years.
Accident:
An accident policy pays the insured in the event of an accident requiring medical treatment from a licensed physician. The amount paid is based upon the severity of the accident. So accidents as small as a cut needing stitches all the way up to a catastrophic accident are covered.
Cancer:
A cancer policy pays the insured a lump sum in the event that he/she is diagnosed with cancer. For those with a family history of cancer or an unhealthy lifestyle, a cancer policy may be they security they need.
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Critical Illness:
A CI policy pays the insured a lump sum in the event that he/she has a heart attack, stroke or any covered critical illness event.
Hospitalization:
Hospitalization policies pay the policy owner a lump sum if he/she is admitted to the hospital for 24 hours or more.
Dental:
Aside from health insurance, dental insurance is the second most requested benefit employees want from their employer. As the cost of quality dental care increases, dental insurance is an essential of overall health.