Partial Self-Funding

The loss ratio provisions of PPCA make it more attractive than ever for employers to implement partial self-funding strategies. These programs allow employers to share in the good experience of their health care programs while benefiting from maximum caps should they see high claims utilization in a given year.

Comprehensive Wellness Programs

Through the implementation of wellness programs, employers are beginning to see significant trend reductions in the cost of their health care. Since 70% of chronic diseases are determined to be preventable, it is imperative that employers begin to offer programs that assist employees in improving their overall health. This employee benefit is a win-win.

Financial Incentives

A good employee benefit tactic is to encourage employee participation in wellness programs with financial incentives! The most successful programs offer a carrot and stick approach to their ongoing wellness programs that ties financial rewards and penalties to employee participation.

Consumer-Driven Plan Options

We offer consumer-driven plan options that provide multiple plan designs to address the concerns of multi-generational employees.

Comprehensive Communication

We create programs that provide one-on-one meetings with employees to assist them in designing a benefits program that addresses their individual needs within the framework of your organization’s overall benefits program.

Menu of Employee Benefits

Our menu of employee benefits include, but are not limited to the following:

• Group Health Insurance
• Group Dental Insurance
• Group Vision Insurance
• Long and Short Term Disability Insurance
• Cafeteria Plans
• Group Life Insurance
• Corporate Health Promotion and Comprehensive Wellness Programs
• Voluntary Benefits
• Individual Life and Disability Insurance
• Long Term Care Insurance