Coverages
Ready to take your benefits program to the next level?Â
- Medical
- Dental
- Vision
- Pharmacy
- Life
- Accidental Death & Dismemberment (AD&D)
- Short-Term Disability
- Long-Term Disability
Additional Benefits
- Flexible Spending (FSAs), Health Savings (HSAs), and Health Reimbursement (HRA) Accounts
- Wellness Programs
- Legal Compliance
- Voluntary Benefits
- Stop-Loss
01. Medical Insurance:
We walk you through coverage for a range of healthcare services, including doctor visits, hospital stays, and preventive care.
02. Dental Insurance:
Dental insurance offers coverage for dental care services, such as cleanings, fillings, extractions, and orthodontic treatment.
03. Vision Insurance:
Vision insurance covers eye care services, including routine eye exams, eyeglasses, and contact lenses.
04. Pharmacy Insurance:
Pharmacy insurance provides coverage for prescription medications, helping to reduce the cost of drugs for employees. We guide you through the different pharmacy plans, formulary options, and cost-sharing mechanisms to ensure employees have access to essential medications and can manage their health effectively.
05. Life Insurance:
Life insurance provides financial protection to beneficiaries in the event of the death of the employee or family member. We help you find life insurance benefits that meet employees’ needs, considering factors such as coverage amounts, premiums, and beneficiary designations to provide peace of mind and financial security.
06. AD&D:
Accidental Death and Dismemberment (AD&D) Insurance offers coverage for accidental death or serious injury resulting in dismemberment or loss of function. We guide you through coverage limits, benefits, and exclusions to ensure employees have access to essential protections and support during challenging times.
07. Short-Term Disability Insurance:
Short-term disability insurance covers a portion of an employee’s income for a limited period, typically up to six months, during recovery from a temporary illness or injury. We assist in selecting plans that offer adequate coverage amounts and waiting periods to best suit the employers’ needs.
08. Long-Term Disability Insurance:
Long-term disability insurance provides income replacement for extended periods, often until retirement age, if an employee is unable to work due to a serious illness or injury. We help you navigate the options for long-term coverage, ensuring your employees have financial security during prolonged absences from work.
09. FSAs, HSAs, and HRAs:
These accounts allow employees to set aside pre-tax funds to cover eligible medical expenses. We can explain the differences between FSAs, HSAs, and HRAs to help you set up and administer these accounts.
10. Wellness Programs:
Wellness programs aim to improve employee health and reduce healthcare costs by promoting healthy behaviors and lifestyles. Designing and implementing effective wellness initiatives, such as fitness challenges, nutrition education, and smoking cessation programs can reduce overall healthcare that the employer can use in other areas within the organization.
11. Legal Compliance:
Stay updated on federal and state regulations governing employee benefits and ensure that employers remain compliant with all legal requirements. We advise on issues such as COBRA, No Surprise Act, and ACA compliance.
12. Voluntary Benefits:
These are additional benefits that employees can choose to purchase at their own expense, such as supplemental life insurance, critical illness coverage, cancer policies, or pet insurance to meet the diverse needs and preferences of each employer.
13. Stop-Loss:
Stop-loss insurance provides protection against catastrophic claims by capping the amount an employer would have to pay out-of-pocket for employee health benefits. We help you understand and select the appropriate stop-loss coverage, ensuring financial stability and risk management for your organization against unexpected, high-cost medical and pharmacy claims.
