Employer group health insurance is considered the most valuable benefit for employees and a “must have” for most job seekers. We have strategies that can help you enhance your medical plan options while controlling your premium outlay.
Dental and vision plans are meant to cover common needs such as check-ups, exams, and much more. These plans offer coverage at very affordable premium rates and can be offered on a voluntary basis (100% employee paid).
Most group life insurance plans offer a lump-sum benefit ranging from $10,000 to $50,000 in most cases. Group disability plans are divided in 2 catagories: short term disability and long term disability. Disability insurance pays you a portion of your income if disabled due to an accident or illness.
Gap plans play a critical role in reducing an insureds out-of-pocket expenses affiliated with their medical plan. They will help with deductibles, co-pays and co-insurance. They can cover up to the maximum out-of-pocket-limit on the group medical plan.
Supplemental plans are insurance policies that offer specific coverages to cover such occurences as accidents and critical illness. These policies pay the insured directly and in many cases pay a lump-sum amount. They are stand alone plans that can be offered on a voluntary basis or as employer sponsored.