Medical Benefit Plans

Client Centered

Browsing the offerings for employee benefits can be overwhelming, given the many choices and options within each category. As the broker of record for your medical plans, we simplify this process for you and assist you in making the optimal choice of medical benefit plans for your organization. This includes but is not limited to health insurance, life insurance, disability income, long-term care insurance, and HSA plans.

Employee Benefit Options:

Group Health Insurance

Attract and retain employees effectively with various benefits like PPOs, HMOs, EPOs, HSAs, FSAs, and self-insured plans. We offer diverse options to help you make informed decisions for your organization.

Group Dental Insurance

Employees value dental coverage as a top benefit. With options like traditional plans, preferred provider plans, prevention & minor-restorative plans, and dental health maintenance organization plans, we can assist you in making the right choice.


Group Vision Insurance

Select from diverse group vision plans with varying coverage levels. The premier plan offers comprehensive benefits, including eyeglass and contact lens discounts, while affordable options provide solid coverage for basic exams and services.

Group Disability Insurance

One-third of employees may experience extended disability-related work absences at some point in their careers. Employers can offer affordable group disability insurance as a voluntary benefit, with flexible options tailored to employees' needs. There are various options including short-term, long-term, and "own occupation" coverage.

Group Life Insurance

Group Life insurance provides affordable, quality coverage for employers, enhancing employee benefits. Options include group term life for high coverage at low costs and group whole life with potential cash value. Our specialists will guide you through each option. Participants are enrolled without medical restrictions. When employees leave, they can take the insurance, usually requiring conversion to an individual policy with associated costs—details we'll discuss with you.


Voluntary Benefits

Voluntary benefits provide a cost-effective solution for employers who can't afford a full suite of group benefits. This offers lower rates and flexible participation qualifications for employees. You can also enhance your offerings by filling the gaps in major medical policies, or by adding insurances that you don't offer on a group basis.

Health Savings Account (HSA)

Health savings accounts allow you to set aside money on a pre-tax basis to pay for qualified medical expenses. This helps to lower out-of-pocket health care costs by using untaxed dollars to pay for deductibles, copayments, coinsurance, and other expenses. Unused funds in an HSA  stay in the account and continue to grow until utilized.

Flexible Spending Account (FSA)

An alternative to the HSA is the Flexible Savings Account (FSA), which is compatible with traditional health insurance plans. Contributions to this account are made with pre-tax dollars, exempt from payroll taxes. Any unused funds at the plan year's end are forfeited by the employee.