Employee Benefits
In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet it must to be cost efficient for your business while complying with Health Care Reform (ACA).
We’ve been providing top-tier award winning server to companies and organizations of all sizes for over 35 years. Our team specializes in employee benefits and will work closely with you to develop the best benefit plan for your employees.
Group Health Insurance
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company, and to the employees' family members, as a benefit of working for that company. The group health insurance plan is the major part of many employee benefits packages that employers provide for their employees.
Group Dental Insurance
Group Dental Insurance is one of the benefits most requested by employees. Many employers provide dental insurance for their employees, but a growing number of employers are offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions. Most dental plans provide full coverage with a 100% benefit for preventive exams & cleanings, an 80% benefit for basic services such as fillings and root canals, and 50% benefit for major services and prosthodontics such as dentures, crowns, etc.
Group Vision Insurance
A Group Vision Insurance plan is especially attractive for employers because it is inexpensive to offer, yet it’s another employee favorite. This is a separate plan that provides coverage for eye exams and for frames, lenses and contact lenses.
Many times the basic health insurance plan may provide for routine eye examinations; however, it will usually not provide any benefit for frames, lenses or contact lenses; this is where a separate group vision benefit would be useful.
Group Life Insurance
Group life insurance is term insurance covering the employees of a company or members of an association. Individual proof of insurability is not normally a consideration in the group underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the employer group.
Group Disability Insurance
Group Disability Insurance is a type of insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).
Supplemental Insurance
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. Groups can typically offer voluntary Accident Insurance, Caner Insurance, Critical Illness Insurance and Hospital Confinement Insurance to name a few.