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Health & Employee Benefits.

Finding the right health insurance and employee benefits can be challenging in today’s environment of Affordable Care Act (ACA) rules and regulations.

As your insurance advisor, we can help you understand the various mechanisms of obtaining health insurance and employee benefits so you can make informed decisions about your options. Our philosophy is to get to you know so we can fully understand your objectives and then translate them into solutions that provide peace of mind.

Employee Benefits

Group Health Insurance

Oftentimes, group health insurance is the first or second priority for employees and can be one of the largest expenses for an employer. We will help you navigate the health insurance industry so you can use this benefit to hire and retain top talent.

Group Dental Insurance

Offering your employees a comprehensive dental plan adds an attractive element to your benefits package. We’ll work with you to design coverage that gives your employees dental care at a reasonable cost.

Group Vision Insurance

Good eye care can help diagnose more serious health problems. We’ll help you find a vision plan that works for you and your team.

401(k)

A well-designed and well-managed 401(k) plan is a great way to attract and retain quality employees. We’ll help design a 401(k) plan that gives your business a competitive edge.

Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

Flexible Spending Account

Healthcare can get expensive. We can enhance your employee benefits package with a Flexible Spending Account that helps your employees save money on everyday healthcare expenses.

Employee Assistance Plan

An employee’s emotional well-being can affect work performance, impacting the company’s bottom line. We’ll help you design a program that supports a happy, healthy, and productive workforce.

Group Voluntary Benefits

There are many insurance products you can provide as optional coverages to your employees. As an employer, being willing to offer those coverages through your business may provide significantly lower premium rates than if your employees were to obtain those coverages on their own.

Life Insurance

Providing your employees the opportunity to add life insurance can be extremely inexpensive, or even free, to you as an employer and it will be an invaluable benefit to the family members of your employees.

Long-Term Care Insurance

Offering long-term care insurance as a employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We’ll guide you through the process.

Individual Health

Individual Health Insurance

For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.

Long-Term Disability Insurance

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. We’ll make sure you have financial support to manage your disability and your household.

Long-Term Care Insurance

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

Medicare Supplement, Medicare Advantage, and Prescription Drug Plans

Medicare can be a complicated topic. Our team will help you understand and enroll in the Medicare coverages that best fit your needs.

Supplemental Insurance

Supplemental insurance can keep you protected in areas that your current health insurance policy does not cover. We’ll help get you peace of mind assurance that keeps your finances secure.

Individual Dental Insurance

Taking care of your teeth is part of being healthy. We’ll work with you to design coverage that gives you dental care at a reasonable cost.

International Health Insurance

Traveling is a great way to either spend time with your loved ones, or take some time off from your busy schedule and simply relax. Ensure safe travels on your next adventure with protection that matters.