Health Insurance

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.

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 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 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 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.

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 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 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. 

Benefit administration systems can be complicated to create and operate. We take the burden of shopping for the right system, customizing the platform and overseeing the operation through out the year. Our team of professionals has the capability to work with HR teams and Brokers to create a custom platform capable of delivering a top notch benefit enrollment experience to your employees. A well designed Benefit Administration System will save an organization time and money by automating the enrollment process and eliminating mistakes made when using paper applications. Options are available for purchase by the employer/broker or waived when offering supplemental health insurance programs through our organization. 

For Brokers and HR professionals designing insurance plans and keeping costs manageable are the top priorities, as they should be. One aspect that is sometimes overlooked is delivering the best enrollment solution for the employees. Many organizations don't examine these options because they feel they are not big enough to have many options or because they have just always used paper applications. Many delivery options exist, organizations can also choose hybrid enrollments that utilize multiple enrollment options for the employees. Below are a few to consider. 

• One-on-one enrollment with a trained insurance professional - The network of well trained benefit professionals we have allows you to be at ease that your employees can ask questions and pick the plans that fit their family best.
• Online Employee Self Enrollment - The benefit administration systems we work with can allow for self enrollment.  When utilizing this option we use a system that has options to include education materials, videos and other features that can be customized for your needs.  Our system options are mobile friendly and compliant with most insurance carriers.
• Telephone enrollment - Even though this option is one of the least used options in recent years, we feel it is a must have when considering benefit delivery options.  If you have employees in remote areas with little internet access, employees that may feel uncomfortable going online or employees that may want to consult with a professional as they choose their options this would be their preferred benefit enrollment option.  This option can be combined with a capable benefit administration system.  

Multiple funding options are available depending on the delivery method chosen. Costs may be waived in many cases when offering voluntary supplemental health insurance programs through our organization.