Group Health

Group Health plans are often the most important employee benefit because employees and their dependents rely upon and utilize them on a daily basis. Employer-based health plans fall into one of three broad categories: managed care plans, indemnity plans and consumer-driven plans.

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Managed Care Plans

In recent years, other types of medical care delivery systems have been incorporated into employer-sponsored health plans. Many employers are looking to managed care networks as a means of controlling health care costs. Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), Point-of-Service Plans (POS), and Open Access Plans (OA) have proven to be the most popular forms of managed care networks.

We only represent those managed care programs with a proven track record of easy access to medical care from conveniently located participating physicians, specialists and hospitals. We take the following factors into consideration in selecting the right managed care network for your employee benefit plan:

* Access to the Network
* Geographical Considerations
* Quality of Providers
* Ongoing Quality Assessment
* Network Stability
* Timely Payment of Claims

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Consumer Driven Health Plans

 Consumer-Driven Health Plans are emerging as powerful strategic weapons that can help companies control rising costs and increase the value employees perceive in their health care benefits. The basic foundation of all Consumer-Driven Health Plans is a High Deductible Health Plan (HDHP). Employees participating in Consumer-Driven Health Plans reach into their own pockets to pay for health care services until they meet their deductibles. During this period, employees learn the actual cost of the health care services they receive. As a result, they become better health care consumers, considering both quality and cost in making their health care decisions. The bottom line is savings for both employers and employees.
 
 Employee education is essential to the success of these plans. Employees participating in Consumer-Driven Health Plans must be familiar with the health care system. They require data to evaluate the quality of care provided by hospitals and physicians, and when illnesses occur, they need to understand the health issues that affect them and their families. Providing employees access to to such information is a critical part of designing Consumer-Driven Health Plans that allow employees to effectively manage their health care benefits and spending.
 
 We have the knowledge and experience required to help employers determine if Consumer-Driven Heath Plans will help them achieve the level of cost savings they desire and meet other important plan design objectives.

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Life Insurance

Life Insurance provides protection for individuals, families and business owners. Various policies offered include:

* Term Life
* Whole Life
* Universal Life
* Accidental Death & Dismemberment
* Joint Survivorship Life
* Adjustable Life
* Travel Accident Plans

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Disability Income

The impact of instant unemployment from a disabling illness or accident can be devastating. The economic consequences can be staggering. The likelihood of a serious disability occurring is greater than the chance of dying!
Disability insurance will protect your personal earning potential and pay your business expenses in the event of disability.

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Long Term Care

Long Term Care can be written on a group basis, for selected employees, officers of the corporation, voluntary basis or all eligible employees. Spouses, parents and children of employees can generally also be offered LTC. The plans are discounted from individual plans. The premium of an LTC Plan is 100% deductible to a C Corporation.

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Dental Insurance

Employees consider dental insurance a vital part of their employee benefit package. We work with a variety of plans, which provide the latest in dental plan designs and administrative options at the lowest possible costs.
We offer a full menu of plans including fully-insured plan options, preferred provider plans and dental maintenance organizations. We also represent a number of voluntary dental programs which allow you to offer competitive group dental plans to your employees on a payroll deduction basis with no employer contribution.

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Voluntary Plans

An employer-sponsored Voluntary benefit program is typically a cost-effective option for companies, and we offer a full line of Voluntary insurance products to help you complete your employee benefits puzzle. Voluntary Life, Additional Life, Long Term Disability, Short Term Disability, Long Term Care, Travel Medical, Vision and Dental plans are examples of some of the plans available.

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Vision

Employees consider vision insurance a vital part of their employee benefit package. We work with a variety of plans, which provide the latest in vision plan designs and administrative options at the lowest possible costs.
We offer a full menu of plans including fully-insured plan options, preferred provider plans and vision maintenance organizations. We also represent a number of voluntary vision programs which allow you to offer competitive group vision plans to your employees on a payroll deduction basis with no employer contribution.

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