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’re INDEPENDENT BROKERS… What does this mean?
- Our agents are not employed by any of our issuing companies making our work in the best interest of the client
- We can offer a variety of insurance carriers and shop for the best prices.
- We are local, if you need help you can reach out to us and not be directed somewhere out of the country for customer service. We know the area and we have a better idea for products needed.
- We take the lead and do the work for you as much as we can on our side; including help with claims.
- Since we are not looking to sell you products you don’t need, there are no high pressure sales.
- We survive on trust, gaining and keeping your trust is our main goal
- We provide a lot of different products so you don’t need multiple agencies/agents
