Employee Benefit Plans

MEDICAL

• Indemnity
• Managed Care (PPO, POS, HMO; Multi-Option Plan Designs)
• Prescription Drug Cards
• Mail Order Prescription Drug Programs
• Fully-Insured
• Self-Funded
• Administrative Services (PEO, PHO)
• Individual/Family Plans

DENTAL

• Indemnity
• Managed Care (PPO, DMO)
• Network-Driven Plans
• Pre-Paid Plans
• Voluntary
• Fully-Insured
• Self-Funded

LIFE/ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

• Employer-Paid Group Term
• Voluntary Group Term
• Payroll Deduct Products
• Individual Products (Term, Whole Life, Survivorship Whole Life, etc.)
• Estate and Financial Planning
• Dependent Life
• Voluntary AD&D

DISABILITY INCOME

• Short-term Disability
• Long-term Disability
• Employer-Paid and Voluntary
• Payroll Deduct Products
• Fully-Insured
• Self-Funded
• Individual & Group Carve-Outs

VISION

• Discounted
• Fully-Insured
• Self-Funded

ANCILLARY (ADDITIONAL) LINES

• Employee Assistance Programs
• Business Travel Accident
• Long Term Care (Group & Individual)
• Section 125 (Premium Pre-Tax plans, Medical Reimbursement, Childcare Reimbursement)
• Pension Plans
• Deferred Compensation
• 5500 Filings
• 401(k) Plans
• Identity Theft Protection