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
• 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)

• 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