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Strategic Insurance and Benefit Solutions

We Provide Creative and Strategic Solutions for High Deductibles, Plan Options and Out of Pocket Medical Expenses.

As health care costs continue to rise, the need to seek alternative solutions to control and stabilize these costs are critical. We specialize in creating strategic cost-saving solutions without compromising the risk and exposure to the employees and members. Companies are turning to higher deductible plans and other alternative options. We have extensive experience in designing benefit plans that fill in the gaps and reduce the maximum out-of-pocket risks while in many cases reduce and stabilize the rate increase. See example rates Gap Info.

In addition, while most companies probably have health insurance plans in place, that coverage might not pay for the indirect costs of an accident, sickness and/or hospitalization - those costs are what no one thinks about until they become a reality.

Do your plans currently cover the costs of mileage to and from the doctor's office, therapy or the hospital? Are the costs of non-medical expenses covered under your current coverage? How long can your employees and/or members go without a paycheck? Many expenses are neglected through our normal health care plans and that is where our specialists can help fill the gaps not covered by your current plan. We can usually accomplish that without adding additional cost to your current programs. In fact, in a majority of our cases we are able to improve the benefit options and reduce the overall benefit expense.

Our team of highly skilled and knowledgeable professional benefit consultants can assist your employees and/or members to better understand the benefit options they are eligible to participate in. In addition to communicating your core company's and association membership messages, our benefit consultants are experts on educating the employees and/or members and assisting them in selecting a product or service that best fits their individual needs. This process allows you to get more value for the money you are spending on benefit programs.

Having a choice is important, after all, each individual's lifestyle and needs are different from that of the next person. By providing access for your employees and/or members to take advantage of voluntary benefit options through payroll deduction and/or your association membership, you help those individuals protect their income and their families.

The real benefit to the company is the value added benefit of saving on payroll taxes and advantages of attracting and retaining employees and member's.

Be sure to take advantage of these product options that are available to your company. The insurance plans and service options your company is eligible for will vary. Submit a request for additional plan and eligibility information. We offer a free, no-obligation consultation to see if we can solve your benefit needs.