Health Insurance

Major medical insurance helps cover medical expenses such as preventative care services, urgent care visits, emergency room visits, prescription medications, and other routine medical expenses. The Affordable Care Act requires companies with 50 or more full time employees to offer ACA compliant health coverage.

Preventative Health Management Plans

Preventative Health Management or Health and Wellness Plans can be a fantastic add on to your Health Insurance plan or as a stand-alone option (if you have less than 50 full time employees). They offer many benefits (hospital indemnity, no cost generic drugs, no cost virtual doctor visits to name a few) to employees, as well as often increasing their net take home pay! No other plan does this!

Medical Cost Sharing

When you have less than 50 full time employees and health insurance is too expensive to offer, Medical Cost Sharing is a fresh and affordable alternative for covering healthcare expenses to your team members. Members voluntarily contribute a monthly amount for the sharing of large and unexpected medical expenses. It reduces costs and puts more money back in their hands.

Health Savings Accounts (HSA)

A Health Savings Account (HSA) is a type of personal savings account you can set up to pay certain health care costs if you are covered under a high deductible health plan (HDHP). It allows you to put money away and withdraw it tax free, as long as you use it for qualified medical expenses, like deductibles, copayments, coinsurance, and more. Unused money rolls over year to year.

Retirement Plans

Aside from health insurance, a retirement plan is one of the most desired items on an employee’s wish list. We can help with pre-tax and post-tax IRAs, SEP IRAs, SIMPLE IRAs, 401k, and other tax free solutions!

Health Matching Account (HMA)

The Health Matching Account (HMA®) is a medical savings plan designed exclusively to pay for most of your employees’ out-of-pocket medical expenses including their dental and vision needs as well as copays, deductibles and coinsurance that would not be covered by their company or their individual major-medical insurance plan and Medicare. As an added benefit, in the HMA® can also be used to pay for any elective procedures (with MD surgeons only) that your employees feel like they need or have always wanted but could not afford before such as plastic surgery, lasik and fertility procedures among many others. The HMA® creates more health care purchasing power and freedom for your employees and leads to additional health care savings for individuals and families by covering a larger portion of their out-of-pocket medical expenses than any other medical savings plan available.

Group Benefits (Employer Owned)

• Dental/Vision
• Cancer/ Critical Illness
• Disability (Short & Long Term)
• Accident Insurance
• Hospital Indemnity
• Life Insurance

Supplemental/Voluntary Benefits (Employee Owned & Portable)

• Dental/Vision
• Cancer/ Critical Illness
• Disability (Short & Long Term)
• Accident Insurance
• Hospital Indemnity
• Life Insurance