• options that enhance your current

    Health Insurance

  • What We Do

    We give companies and individuals the ability to protect their most important assets.

    Health insurance continues to become more complex for employers and their employees. We offer solutions that compliment your current plans while giving new options that can be strategically designed to drive down health insurance costs and gaps in coverage the major medical insurance does not cover.

    Supplemental Health Insurance Programs

    Accident-Hospital-Cancer-Critical Illness

    Dental-Vision-Life-Disability

    With health insurance deductibles consistently going up, employees need an option to cover their out-of-pockets expenses. These plans allow your employees to specifically cover conditions they are concerned about. Most plans are customized to the individual. Any of the Supplemental benefits we offer can be funded by the employer or 100% employee paid.

    Consumer-Driven Healthcare

     

    Health Savings Accounts(HSA)
    Health Reimbursement Arrangement(HRA)

    These benefits combine a health insurance plan with a tax-advantaged account that enrollees can use to pay for covered medical expenses. CDHC benefits are a fast growing trend that any company considering moving to a high deductible should consider.

    Section 125 Plans

     

    Premium-Only Plans (POP)
    Flexible Spending Accounts (FSA)

    Section 125 plans are a simple way to help your employees that have consistent medical treatments or have childcare expenses. These plans are designed to allow your employees to pretax insurance premiums and to set aside pretax funds to use on qualified medical expenses and/or dependent care expenses.

    Identity Theft Protection

    Identity theft is one of the fastest growing crimes in the US. An estimated 15 million US citizens will have their identity compromised each year. Just trying to be careful isn't enough in a world full of electronics and online commerce. Options are available as employer paid or 100% employee paid.

    TeleMedicine

    Telemedicine is becoming a must have benefit. This coverage gives employees and their family members an option to remotely access a medical professional 24/7. This provides a great ROI for both employers and employees. Options are available as employer paid or 100% employee paid.

    WorkSite Wellness Testing

    A great worksite wellness program will help your employees manage their current health, contain health insurance premiums, decrease absenteeism and positively influence your employees overall well-being. Options are available for self-funded and fully insured clients.

    Pet Insurance

    Pet Insurance is one of the fastest growing benefits in the US. Considering the rise in the number of pet owners and the often-costly medical bills associated with the health of their pets, it makes sense to offer these plans. Options are available as employer paid or 100% employee paid.  

    Student Debt Repayment Programs

    Student debt is the fastest growing form of consumer debt in America. With the average annual cost of college increasing at a mindblowing rate over the last decade, employees need a way to lower their debt post college. This program gives companies a competitive advantage in recruiting and retaining top talent. Customizable options for this benefit make it a very affordable option for employers. 

  • Contact Us

    Don't be afraid to reach out.

    We have worked with Business Owners, HR Professionals and Employee Benefit Brokers since 2006 and we would love to have an opportunity to meet your team.