What can supplemental insurance benefits do for a business owner?

As a business owner, you are faced with many challenges for providing a well-rounded employee benefits package. With the rising cost of health insurance and the ability to stay competitive in the market place by providing quality health care options for your employee’s is becoming increasingly difficult every year. Participation guidelines and the ability to provide affordable health care for your employees seem like a loosing battle.

As a business owner your primary focus is keeping your bottom line at a profitable level. Retaining good employees and offering a competitive benefits package is essential as well. There has to be a win-win situation. There is, employee sponsored supplemental health insurance benefits is the solution.

In order for a business owner to keep health care cost down you are forced to go with higher deductibles on your major medical plans. Supplemental benefits are they key to help cover those high out of pocket expenses for your employees.

Here is how we can help.

We can offer you a solid product that can help you achieve the following:

· Benefits that are NO COST to the employers. They are all self funded by the employee’s

· Deductions are done in advance: therefore, you will not have to pay any premiums “up front”.

· “Simplified underwriting”; Therefore, your employees will not have to leave work for Medical tests.

· A billing procedure that includes a “HOLD HARMLESS” agreement, which protects you from any possible litigation.

· A claims process that is handled by an Insurance representative, your employees call us for forms and information. · Policies are mailed directly to the employees. No need for you to be passing them out.

· A representative will visit and explain the programs to your new employee’s. No need for you to learn the insurance business.

· Our Invoices can be adjusted by you when an employee leaves employment, no need for you to wait for the insurance company to adjust the invoice.

· We will communicate directly with your former employee with regards to continuing their coverage.

· A representative will schedule an annual open enrollment per section 125 guidelines, keeping your company in compliance.

· A representative will complete all applications, deduction slips, as well as salary redirection agreements at the time of enrollment.

· A representative will visit when the first invoice arrives, to verify all deductions are proper, as well as to review proper invoice procedures.

For more information on how we can help your company. We can schedule a no obligation 15-20 minute briefing to go over our products and services.