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Empowering Employee Well-being

Customized Benefits Solutions, Built for Your Business

Discover innovative health solutions that prioritize your workforce’s well-being, fostering a more engaged and productive environment.

Our Commitment to Health

We specialize in helping business owners design strategic, cost-effective employee benefits packages that align with their unique goals. By combining deep industry expertise with innovative, cutting-edge solutions, we deliver customized plans that maximize value while minimizing cost. Our focus is on creating benefits strategies that not only support your employees but also strengthen your business.

BENIFITS SOLUTIONS

CORE BENIFITS

HEALTH

The Cornerstone of Employee Benefits. Employer health plans provide employees with access to comprehensive medical coverage at a lower cost than individual plans. These plans are a key part of employee benefits, helping attract and retain talent while promoting overall workforce health and productivity.

DENTAL
Group dental benefits offer employees affordable access to dental care, helping prevent issues that are linked to serious health conditions like heart disease and diabetes.

VISION
Vision coverage helps employees maintain eye health with access to routine exams, glasses, and contacts. It can be an affordable method to offset major medical costs as an early detection and intervention tool for more serious and costly conditions such as glaucoma, cataracts, high blood pressure, diabetes, heart disease, and high cholesterol.

GROUP LIFE
Employer paid life insurance is a valuable benefit that can be a big selling point when recruiting staff. Policies provide a payout to an employee’s beneficiaries and dependents in the event of their passing.

SHORT-TERM DISABILITY
Short-term disability insurance helps protect your workforce by providing income support during temporary illness or injury, enhancing your benefits package and employee retention. It provides employees peace of mind so they can focus on recovery without financial stress.

LONG-TERM DISABILITY
Long-term disability insurance provides income replacement for employees who are unable to work for an extended period due to illness or injury. Group LTD benefits demonstrate a business’s concern and support of their workforce’s financial security and can boost employee retention.

Work Site & Ancillary Benefits

Discover our range of plans designed to meet diverse needs and optimize savings for your organization.

Accident Indemnity

An accident indemnity policy provides a cash benefit to help cover out-of-pocket expenses resulting from a covered accident, such as emergency treatment, hospital stays, or follow-up care. It’s a valuable supplement to health insurance, offering financial support during unexpected injuries.

Cancer

A cancer indemnity policy offers financial benefits to help cover the costs associated with cancer diagnosis and treatment, such as hospital stays, chemotherapy, and travel expenses. This supplemental coverage provides added financial protection and peace of mind when employees need it most.

Critical Illness

A critical illness policy provides a lump-sum cash benefit if you’re diagnosed with a covered serious illness, such as a heart attack, stroke, or major organ failure. This benefit can be used for medical bills, living expenses, or any other needs during recovery.

Hospital Indemnity

An accident indemnity policy provides a cash benefit to help cover out-of-pocket expenses resulting from a covered accident, such as emergency treatment, hospital stays, or follow-up care. It’s a perfect complement to major medical coverage adding an extra layer of protection in your benefits package.

Group Telemedicine

Offering telemedicine helps employers reduce employee absenteeism, increase productivity, and lower healthcare costs by providing quicker, more accessible care. It also supports employee well-being by making it easier to get timely medical advice, especially for those in remote areas or with busy schedules.

Employee Assistance Program

An Employee Assistance Program provides services & resources designed to both assist employees and support the productivity and profitability of employers. EAPs provide employees with services such as short-term counseling, mental health support, financial and legal advice, and referrals to specialized resources to help them with personal or work-related issues that may impact their job performance, health, or well-being. These programs can be provided at no cost to employees and aim to promote a healthier, more productive workforce.

Health & Wellness Programs

A comprehensive initiative of programs and resources designed to promote healthy lifestyle choices and improve the overall well-being of employees. By encouraging healthier habits, wellness programs can lead to reduced healthcare costs, increased employee engagement, lower absenteeism, and improved morale. These programs demonstrate an employer’s commitment to employee health, which can enhance job satisfaction and support a more productive, resilient workforce.

Cost Containment Solutions

Group Health Funding Arrangements

Each funding model offers its own balance of cost, risk, and flexibility. These plan structures give employers a range of options to meet their business goals and employee needs.

Fully insured Heath Plans

The original group health insurance model in which employers pay a fixed monthly premium to an insurance carrier. The carrier assumes all claim risk and manages administration, giving employers cost predictability and reduced financial risk, though often at a slightly higher overall cost.

Affordable Care Act Plans

Non-medically underwritten plans compliant with the Affordable Care Act providing essential health benefits, no lifetime or annual limits on coverage, and protections against pre-existing condition exclusions.

Level Funded Health Plans

These plans utilize medical underwriting to predict risk and can reward healthy groups with more competitive premiums. They provide more flexibility and customization along with the potential for savings if claims are lower than expected – returning a portion of the claims funding surplus to employers.

Self Funding

Self-funded plans offer employers greater control, flexibility, and the potential for cost savings. With access to detailed claims data, employers can customize benefits to their needs and keep costs low. If claims are lower than expected, the employer retains the savings, improving cash flow and reducing overall healthcare expenses. A Third Party Administrator is typically engaged to administer the health plan on behalf of the employer and stop loss insurance provides financial protection in the event claims reach a level higher than anticipated.

Self Funding Captives

Joining a captive allows smaller employers to access the advantages of self-funding, such as flexibility and potential savings, while spreading the financial risk across multiple organizations. It’s an effective way to enhance the stability of a self-funded health plan while benefiting from the collective strength of the group.

Tax Advantage Accounts

Many employees can utilize tax-advantaged accounts in conjunction with health insurance to help manage healthcare and dependent care costs. These accounts provide meaningful tax savings while making it easier to budget for medical expenses and family care needs.

Health Savings Account

A Health Savings Account (HSA) is a tax-advantaged savings account that allows individuals to set aside money for qualified medical expenses & save for the future. HSAs are available to those enrolled in a high-deductible health plan (HDHP) and offer triple tax benefits: contributions are tax-deductible, the account grows tax-free, and withdrawals for eligible healthcare costs are also tax-free.

Health Reimbursement Account

HRAs help employees manage out-of-pocket healthcare costs by providing tax-free reimbursements for eligible expenses. Employers can customize the plan to fit their needs and budget, making it a flexible option for supporting employees’ healthcare expenses. Unused funds may or may not roll over depending on the plan design, offering a cost-effective solution for employers while assisting employees with their healthcare spending.

Flexible Spending Account

FSAs help employees save on taxes by using pre-tax dollars for healthcare and dependent care expenses. Employees can spend pre-tax dollars on copays, claims, and most medical items. This provides an immediate tax savings and makes it easier to pay for out-of-pocket costs.

Dependent Care Spending Account

A Dependent Care FSA allows you to set aside pre-tax dollars to pay for eligible child and adult care expenses. This includes costs such as daycare, preschool, before- and after-school programs, and elder care services, enabling you to work while ensuring your dependents are cared for.

Creative Cost Containment

Rx Patient Assistance Programs

PAPs help reduce the financial burden of prescription medications for eligible patients by offering free or discounted drugs. Each program has specific eligibility criteria, often based on income level, insurance status, and medical need. These programs can be a lifeline for individuals managing chronic conditions or serious health issues, ensuring they maintain access to necessary treatments without financial barriers.

International Drug Sourcing

Available in self-funding and some level funding arrangements, international drug sourcing can dramatically reduce the cost to group health plans and employees for their specialty medications.

Price Transparency Copay Only Plans

These health plans give members the tools to see cost and coverage information before the point of care. With no deductible, no coinsurance, and no cost-shifting, employees can easily search their health network, see what they’ll owe in advance, compare options, and decide what fits best for them. Price transparency enables employees to keep their claims & cost lower, in turn, reducing the group health premium and the employer’s cost to provide the group health benefits.

Lower Benefits Administration Overhead

Managing employee benefits in-house can strain your HR resources and drive up administrative costs. Our team helps reduce that burden by taking on day-to-day benefits administration tasks and offering integrated technology solutions that streamline enrollment, compliance, and communication. By partnering with us, your HR team gains time and efficiency—while your business benefits from a more cost-effective and smoothly run benefits program. See our information on HR Services and Technology Solutions!