Employer Insurance Products

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Providing the best value to your employees is important. Value not only includes the level and cost of insurance, but also service.  We work with a wide variety of insurers, giving us the ability to find the right plan for your business needs.

Medical (PPO, HMO, POS, CDH/HDHP, HSA,HRA, Fully Insured, Partial/Full Self Funding)

• Prescription Drug Program (Fully Insured or Self Funded)
• Dental (PPO, Managed or Passive Network)
• Life Insurance
• AD&D
• Disability:
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Statutory (NY, NJ, CA, RI, HI, and Puerto Rico)
• Vision
• Travel Accident
• Long-Term Care (LTC)
• Employee Assistance program (EAP)
• Wellness Programs

• Renewal Analysis, negotiation
• Enrollment
• Implementation & Change paperwork
• Benefit Communications
• Year round claim resolution
• Plan servicing for Administrators and employees
• Monthly statements to Financial Department monitoring enrollment/plan changes

• Individual Financial Planning
• Disability Buy-up Programs (individual or group)
• Legal  & Identity Theft
• Group  Homeowner's/Automobile
• Life Insurance - Term/Variable/Universal/Permanent
• Accidental Death and Dismemberment (AD&D)
• Critical Illness (cancer, stroke, etc.)
• Hospital Indemnity Plans
• Pet Insurance
• Long Term Insurance

• Whether employees are traveling to locations outside of the US or your non citizen, non-employee board members are visiting the US though out  the year.  They can rest assured their healthcare needs will be insured with the coverage insured by well known, financially secure insurance carriers.

• Health Savings Accounts
• Flexible Spending Accounts  (FSA - Medical, Dependent Care, Transportation)
• Workers Comp (offered by one of our strategic partners)
• 401k, 403B and other Retirement Planning (offered by our strategic partners)