We construct medical plan solutions from all carriers in any geographic market. Whether your organization is a two-person operation or a multi-state, diverse enterprise, we shop the market for the best solution for your unique situation.
Often, a more creative approach will yield the most effective solution. Some employers find that spreading the risk between two carrier’s works best – implementing higher co pays/deductibles and then “filling” these “gaps” with a supplemental program. Other employers are adopting the “consumer-driven” approach to healthcare and implementing HSA/HRA plans. Each employer group is unique—cookie-cutter programs are out, creative solutions are in.
Dental
Choosing a dental plan can be tricky: How comprehensive is the provider network? Are out of network reimbursement levels based on “MAC” or “UCR” fee schedules? What is the annual maximum benefit? Which services are subject to an annual deductible?
These and other questions must be addressed openly and precisely. We will design a plan tailored to your company’s needs. We continually search the market for leading carriers with broad & deep provider networks that offer value in a dental plan.
Vision
Visual impairment is one of the ten most frequent causes of disability in the U.S., according to Healthy People 2010 web site. Undiagnosed vision problems are one of the major causes of learning difficulties in school age children according to Health News Digest. We know it’s important that a vision plan is easy to administer, easy to understand and packaged in a simple, affordable solution that employees appreciate.
Group Life Insurance
One of the most important aspects of life insurance is the financial well being it gives to employees and their families We offer a variety of solutions to protect your employees’ families, including Group Term Life, Voluntary Term Life, Dependent Life and Accidental Death and Dismemberment.
Group Disability Insurance
The ability to earn an income is one of an employee's greatest assets. Employers can offer their employees the ability to protect that income through the many disability insurance solutions available from a range of top tier carriers. Short-term disability, Long-term disability and Integrated disability coverage is offered in both employer-paid and voluntary employee-paid versions, with flexible options to personalize the program for each business's specific needs.
Long Term Care Insurance
Through relationships with leading carriers, we are able to offer business owners a smart way to provide individual long term care insurance to employees. This can be accomplished on either an employer pay basis or on a voluntary basis, depending on your objectives. Even those who are young and in good health may still find themselves facing a long term care situation. In addition to their own risk of needing long term care, working adults may need to provide care for an aging parent or family member. This can have a profound impact on their health and their performance at work.
