Core Benefits

• Health

• Dental

• Vision

• Life

Ancillary Benefits

• Short Term Disability

• Long Term Disability

• Accidental Death & Dismemberment

• Health Savings Accounts

• Flexible Spending Accounts

• Telemedicine

Supplemental Benefits

Critical Illness – Serves to help employees combat the added medical bills that can accumulate quickly when battling a critical illness such as Cancer, Heart Attack, or Stroke. For the many who survive the illness, their focus should be on recovery, not medical bills.

Accident Insurance – Life comes with unexpected moments which are often accompanied by out-of-pocket expenditures. Accident Insurance helps with expenses that major medical may not cover, such as emergency room visits, hospital stays, major diagnostic imaging, physical therapy, and more.

Hospital Indemnity – Hospital stays, even when short, can build up a larger-than-anticipated bill, especially with expenses major medical insurance was never intended to cover. Hospital coverage can save employees from having to dip into their savings in order to sustain their family’s routine and lifestyle.

Cancer Care Insurance – Chances are you know someone who’s been affected, directly or indirectly by cancer and, while the toll of the illness itself on the family may be overwhelming, the financial hardship that accompanies the illness is a distressing distraction that perhaps could be avoided. A Cancer Care plan can help ease financial struggles while an employee recovers, whether to cover medical bills, rent or mortgage, or utility bills.

Added Value of Supplemental Plans

• Benefits are paid directly to employees unless they specify otherwise

• Benefits are paid regardless of any other insurances employees may already have with other insurance companies

• Coverage is available to spouses and dependent children

• Most coverage is guarantee issue

• Some plans are portable at the Group rate

• Most plans premiums utilize pre-tax savings through IRS Section125