Help Eliminate Long Absences By Making It Financially Easier For Your Employees To Fight These Scenarios
Group Products and Services
Group Medical
Protect your employee’s health with qualifying health coverage. Healthy employees allow for less time missed and better productivity
- Multiple carrier options: Florida Blue, Oscar, Ambetter, Humana, Aetna, New Horizons & More
- Offer HMO, PPO, DHMO and HDHP compatible with HSA
- Level and self funding options
- Contribution strategy
- Annual utilization review
Dental and Vision
We offer
- HMO, PPO and DHMO with major carriers
- Vision plans for frames, exams and contact lenses
- Orthodontia riders for family-heavy demographics
- Bundled rate negotiation
Life and Disability
Life and Disability protect you from life’s unfortunate turn of events.
- Group Term Life with Guarantee Issue and other riders
- Voluntary Life with Portability
- Short and Long Term Disability to help when you can’t work
- Key Person insurance to protect your interest in your company
Voluntary
Completely employee funded, which saves money on payroll taxes for both the company and the employee. Voluntary benefits allow you to fill gaps in your medical insurance.
- Accident, Cancer, Chronic Illness & hospital indemnity
- Identity and Legal Protection
- Pet Insurance & Lifestyle benefits for retention
- Section 125 pre-tax administration and Section 105 HRAs
Compliance Support
Year-round regulatory stewardship so your benefits program is audit-ready, your filings are on time, and HIPAA-covered communications stay tight.
- PPO plan education and network-design guidance
- Review of current benefit structures, fee schedules, and hidden inefficiencies
- Cost-saving opportunity modeling without sacrificing coverage
- Streamlined communication across HR, payroll, and benefit providers
- Employee-facing education on network options and benefit use
- Onboarding and benefits-administration support without HR overhead
We offer first rated customer service for our clients mixed with ethical and moral values when we sell our products and services. We feel this should be the same with everyone, but that’s not always the case. Our team of brokers are
- Highly trained in the products we offer
- We do due diligence making sure we know your situation and match products that work for you
- We’re local! You call us, you get us, not some call center
- We do not work with any issuer so we can shop products amongst every issuing company
- We offer a diverse product and carrier selection
- We care about our clients and their employees. You’re not a client to us, you’re family
We offer solutions for both large and small companies, even companies that that only have 1099 workers
We cover these industries: financial, legal, medical, manufacturing, industrial, property maintenance, real estate, construction, hospitality, transportation, public sector, museums, education & childcare and more.
Don’t Think You Need Benefits? Answer This Question
If an employee of yours is injured and will miss a few weeks to months recovering, would that employee come to you and ask for financial help?
FACT: Most employees live paycheck to paycheck, any missed payments could put them into a financial hardship they may not recuperate from. To help pay the bills and cover medical expenses many employees reach out to their employers for help. If you help one, you will be expected to help everyone or it could be deemed discrimination, thus you become a bank and that can hurt your bottom line.
SOLUTION: Offering your employees short or long term disability, along with hospital indemnity and accident protection can protect their income while paying them money directly based on the treatment they receive which they can use towards paying bills, medical co-pays or just keep it. You can offer this as a voluntary benefits program so they choose what they want, the money is deducted from their paycheck pre-tax saving you money on FICA taxes.
But we don’t have many employees, we can’t qualify.
FALSE: All you need to qualify for group benefits are 3 employees with 1 participating and that can include the owner of the company
