Health insurance plays an important role in an employee's sense of security for their family. Medical insurance protects the insured against unpredictable, and potentially devastating financial loss. Medical insurance provides access to routine care, emergency care and hospitalization. 

• To attract and maintain good employees
• To offer a sense of security for their families
• Premiums are tax-deductible to the business and is non-taxable income to the employees
• Prevents minor medical problems from becoming major ones

Healthcare coverage is a practical way to protect your health and assets. All it takes is one serious medical event to wipe out a family's savings account.  Part of the solution to this problem is understanding how the process works. When a business is shopping for benefits, they should interview brokers and choose one for the services that the broker can bring to the client. 

Determining which healthcare plan is appropriate can be a confusing process. Constant changes in federal and state employee law makes it difficult for the employer to determine which health insurance plan is most appropriate for their organization. Our experience in the market allows us to find the right carrier and program based on the clients' needs.

Health Insurance 2-50 Employees

There are many states that govern this size group. Each state mandates differ, however, they typically mandate the rating structures, issuance guidelines and portability. 

These plans are typically standardized and cannot be customized. We can customize portfolios by adding products like dental and vision to the health insurance. Our experience in the market allows us to find the right carrier and program based on the clients' needs.

Health Insurance 51+ Employees

This market segment is not as regulated as the under 50 market. In this category of employer we can customize benefits to fit their needs and price it accordingly. We can tailor benefits to meet the needs of employer and employee, by using questionnaires that can be designed specifically for the group. By using these questionnaires, we can evaluate which benefits are of value to the employees. The valued benefits can then be included into the plan design. There is a lot of flexibility in building a benefit package for this size group. Our experience in selling to all size and industry types in this category gives us the ability to maximize a customized benefit plan. This allows us to find the right plan, the right combination of benefits, and the right rate for employers. 

Vision insurance is an inexpensive way to add increased value to an employer's benefit package. The high cost of vision care has made this form of coverage vitally important for any benefit plan. Vision insurance stands out as a benefit employees use and appreciate. It encourages preventive care for employees and their dependents by helping them pay for services provided by an ophthalmologist or optometrist. Offering a quality benefit package that includes vision is a sure way of attracting and retaining excellent employees.

The addition of a dental plan to your company's benefit portfolio is another way to inexpensively increase the value of the entire benefit package. Dental insurance is used and appreciated by employees. It encourages preventive dental care for employees and their dependents by helping them pay for services provided by the dentist or supervised dental hygienist. Dental insurance also encourages employees and their families to practice sound dental hygiene and seek preventive dental care. It often helps employees pay for dental care they may not be able to afford alone.