Group Products
Medical Insurance
Medical benefits are the most popular benefit you can offer a prospective worker, and workers rank health insurance as the most important benefit they receive. Whether your organization employs several thousand people or just one, our Agency can provide you with plan options that fit your goals and budget. We represent all the major health insurance companies and offer a variety of plans, including:
Traditional indemnity
Health maintenance organization (HMO)
Point of service (POS)
Preferred provider organization (PPO)
Health savings account (HSA)
Health reimbursement account (HRA)
Partial Self-funding and Self-funding
Dental Insurance
The strong link between oral health and overall medical health is leading to more and more integration between the fields of medicine and dentistry. As a result, dental benefits are becoming a more significant component of total wellness programs. We understand that dental coverage is an essential, at times differentiating, employee benefit. For most employers, dental plans are still a relatively low-cost, high-value benefit that can help them attract and retain quality employees, decrease missed work hours, provide diagnostic opportunities and reduce overall health risks. Our team of worksite benefit specialists will work with you to design a dental program that adds tremendous value to employees without adding substantial costs to the employer. We offer a variety of Group Dental insurance products that include features that will help you minimize your dental coverage costs and maximize employee satisfaction.
Group Life/AD&D Insurance
Group Term Life insurance, along with Accidental Death and Dismemberment (AD&D) insurance,is low employer cost / high employee value benefits offered by many employers as part of their benefits packages. Term life insurance provides protection for a defined period of time and pays a death benefit in the event of the policyholder's death during that time. AD&D benefits serve to bridge the financial gap created in the event of an income provider's accidental death, loss of eyesight, or dismemberment. Our team of worksite benefit specialists will work with you to design a Group Life/AD&D program that adds tremendous value to employees without adding significant costs to the employer.
Vision Insurance
Vision care programs are extremely popular with employees, inexpensive to offer, easy to administer and provide employees with important preventative care that may save significant medical claim dollars in the future. Our Agency can help you enhance your benefits package with a vision product that meets your needs and at little cost. A good vision plan can save you up to 60 percent off the cost of vision care and corrective eyewear.
STD LTD Disability Insurance
The probability of a disability occurring during one's working years is two to three times greater than the risk of death, yet many workers do not have short and long-term disabilities. Group Disability Insurance provides income protection for employees, as well as cost-saving management strategies for employers. Lost time on the job due to a disability can significantly impact workplace productivity and profitability. Our Agency can tailor a combination of group and voluntary health, life, and disability benefits that meets your needs, provide the best benefit value, and fosters a healthy work environment.
Voluntary Benefits
Attracting and retaining quality employees is important to all employers. Studies have shown that the cost of losing and replacing one employee can be as much as 150% of the lost employee's annual salary. Many companies find that offering an attractive, comprehensive benefits package can provide an advantage in finding and keeping good people. By implementing voluntary (employee-paid) benefits programs, you will help both your recruitment and retention efforts. Our Agency is a leader in the voluntary benefits field, and we are happy to share information with you about this increasingly popular and effective benefits strategy.
Long Term Care
Long-term care (LTC) refers to a wide array of medical care, personal assistance, and social support services for people who are physically or mentally unable to independently care for themselves for an extended period of time. This care is provided in a nursing home, assisted living facility, or in one's home. Individuals needing LTC require assistance performing basic activities for daily living or suffer from severe cognitive impairment. Generally, the disabilities requiring LTC are caused by accidents, illnesses, or advanced age.