What is your benefit budget? (below)
                    Group Health Insurance (below)
                    Voluntary Health Insurance (below)
                    International Health Insurance underwritten by Lloyds of London
                    Individual/Family Health Insurance for Sole Proprietors                 
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What's your benefit budget?

An employee benefit plan is essential to attracting and retaining employees and health insurance is certainly the single most important component.  Unfortunately, it's also the most expensive.  With small group health insurance premiums more than doubling over the past eight years there is little wonder that many businesses find themselves having to reduce levels of coverage or shift more and more of the costs to their employees.   The good news is that, during this same time period, health insurance companies have developed numerous new plan designs and options.  By combining them with innovative ideas we design the ideal health insurance package for your company to meet both the needs of your employees and your budget.   In fact, even if you have no budget at all you can still offer your employees an attractive health insurance program.


Group Health Insurance

With as few as two enrolled employees and a modest employer contribution, any company can offer group health insurance.  With a myriad of plan designs to select from, from Copay Plans and PPOs to HSAs to HRAs to HMOs and even combinations, the small business can have a group health insurance program that rivals the largest companies.  Don't worry about the terminology, we convert it all into simple English and also explain it to your employees.   Think of us as the unpaid employee who takes care of your benefits.  We'll work with you to design the best plan for your particular needs and negotiate with the insurance companies for the most favorable rates.  We'll even sign you up with an association if there is a significant enough discount available.


Voluntary Health Insurance

Many businesses cannot afford to provide traditional group medical insurance for their employees, but this doesn't stop them  from having an appealing benefits program.   By making the employee premiums for individual and family health insurance tax free, you are able to provide them with savings of 30% or more and reduce your company's payroll taxes in the process.   We set you up with the necessary documentation to ensure your plan is in compliance, meet with each employee to help them select the plan that works best for them and enroll them in it.   You collect the premiums from your employees via payroll deduction and send them to the insurance company who will provide you with a "list bill" each month.   If an employee leaves their plan is portable and you have no responsibility other than sending the insurance company the premiums you have already collected.