Annual Renewal
Work with our team if you need help in renewing your benefits package. We consistently monitor the market and analyze rates to make sure that we offer the best premiums for your plans.
Strategic Planning and Consulting
If you need someone to explain and educate you about the many insurance plans offered by different carriers, rely on us. Not only do we provide excellent benefit strategies but we also make sure that these are most suitable for your situation.
Implementation of the New Plan Options
You can depend on us to conduct open enrollment meetings so that your employees can personally ask their inquiries about your company’s benefit package. We can also assist them with their decisions, making sure that they choose what fits their needs.
COBRA/Mini-COBRA Administration
We help companies who are under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) or Mini-COBRA law. Our team sends notices to employees, collects monthly premiums, tracks payment procedures, and files documents, among many other tasks.
Administration and Ongoing Support
For assistance when it comes to insurance claims, issues, questions, and problems, turn to our agency. We offer various administration solutions that will reduce your worries about your benefit and insurance coverage.
If you are looking for actual health insurance coverage for your employees, reach out to us. We offer the following health plans:
To ensure that your employees’ dental care expenses are covered when the need arises, we offer the following benefit coverage:
Our vision coverage is perfect for those who need services from eye care professionals such as optometrists and ophthalmologists. You can have a biyearly coverage of eye examinations as well as partial or full reimbursement for eyeglasses, prescription sunglasses, and contact lenses.
This can be bought individually but is usually attached with actual medical coverage. Insurance carriers create a formulary list with certain prescription drugs that fall under a three-tier price range—generic drugs for the cheapest tier, brand-name drugs for the middle tier, and non-formulary name-brand- drugs for the expensive tier. There are also plans that reduce some fees from these tiers before the co-pay benefits come.
Short-term disability insurance provides benefits from the first day of the accident or the eighth day of an employees’ sickness and lasts up to 26 weeks. About 66% of your weekly income will also be covered, and weekly benefits will also be given in this type of plan.
When the short-term disability insurance expires, the long-term disability insurance will take effect. The coverage for this type of plan depends on the policy you have selected. Some cover up to two years while others last until you’re 65. This helps people with long-term tragic disabilities and pays benefits on a monthly basis.
These are optional benefits offered to employees individually. Voluntary benefits are deducted to an individual’s payroll and not as part of the company’s costs.
An insurance carrier that provides this is Aflac. They offer supplemental insurance such as life, disability, cancer, hospital, heart attack, etc.
For coverage that allows employees to take taxable benefits, such as a cash salary, and convert them into nontaxable benefits, rely on us. Reach out to us for the following:
For an increase in overall employee satisfaction and retention, we also offer high executive plans. These allow executives to reimburse co-pays, deductibles, and other benefit costs that are not covered under their regular plans such as medical, dental, vision, etc.
If the company you work at does not offer any group coverage, you can still apply for insurance on your own. We also offer temporary health plans that last from six months to a year. You can ask for a free quote in the following carriers:
This insurance coverage is perfect for individuals age 65 and above. Rely on us to help you with your Medicare plans. You can choose from the following Medicare Supplements:
Always consider the position that your spouse, children, or loved ones will be in if something drastic happens to you. Purchase individual life insurance. We have the following types:
In the event that you are unable to earn income because of an unexpected disability, this insurance can help you pay for your mortgage, car payments, bills, groceries, etc. For your monthly protection, the disability insurance of our carriers covers about 60%–70% of your regular income.
Individuals who were disabled for six months and are expected to still be in the same situation for more than a year will be paid by Social Security Disability. This will only be up to a certain level and may not be enough to pay for all your expenses. You can purchase individual disability insurance for additional protection especially if your employer does not include it in your benefit coverage.