Personalized Service for Groups and Individuals … Think of Us as Your Insurance Concierge
Whether you need group coverage for your employees or a policy for yourself, we are committed to finding you the right insurance for your needs AND assisting you with everything from billing and adding new members to claim issues. Our insurance coverage offerings include Health, Dental, Vision, Disability and Life.
We Serve Our Clients, Not One Specific Insurance Company
Clients benefit from our independent approach to insurance coverage. We work with a large number of insurance companies. This vast network of providers enables us to find the appropriate coverage for your needs. Our brokers conduct a detailed assessment of your benefit goals, followed by a comprehensive market search. All available options are then presented, with budget being a key factor.
As Your Single Point of Contact, We Streamline the Insurance Process
Mindful of our client’s time, we insist on streamlining the entire insurance process. We provide our clients with prompt responses and solutions. Having a claims issue? We will contact the insurance provider for you. Need to add or terminate an employee? We handle that as well. HR Departments, in particular, appreciate our “single contact” approach, which eliminates time consuming calls to carriers/vendors and increases employee productivity.
Our Brokers Keep You Apprised of Compliance Changes
Due to Federal and State laws, the insurance industry and related requirements are frequently changing. Our clients don’t have to worry about keeping up with new regulations. We make it a point to keep our clients up to date on the changes and how they affect them specifically.
Our knowledge and expertise allows us to specialize in groups of all sizes. Whether you’re a start-up group with 1 employee or an established multi-site large employer, we can help tailor a program to meet your needs. After a plan has been selected, we continue to monitor usage to make adjustment recommendations as needed.
With the cost of dental care continuing to increase, many of our employer clients are offering dental coverage as a compliment to the health plan. The cost for these plans can be funded by the employer or employee through a voluntary payroll deduction. With overall health being linked closely to dental hygiene, these plans have become more popular.
Injuries and illness for you and your employees can spell financial disaster. Disability insurance, often overlooked, can help protect income in the event of a loss of active employment.
- STD – Short term coverage carries coverage for up to 6 months
- LTD – Long term coverage extends past the 6 months STD limit, and in some cases a lifetime
- NJ TDB/NY DBL – New York and New Jersey carry mandatory laws that enforce 6 months of disability benefits. Private plans through a preferred vendor can help reduce premiums for employer and organize the claims process for the employee
With the exception of the State mandated plans, these disability plans can be offered as employer or employee paid.
Protecting the financial security of your employees is a benefit many employer’s offer. This benefit can be offered as a group term policy or as a voluntary supplemental basis.
Offering vision as a group benefit allows for a number of advantages for those enrolled:
- Routine eye exams (typically not covered under health plans)
- Discounts for hardware through preferred vision vendors
- National eyecare provider list
- Discounts for laser vision correction
We Frequently Work with the Following Healthcare Providers:
We Work Primarily with the Following Providers for Ancillary Benefits (Long Term Disability, Short Term Disability, Dental and Life):
- The Standard
- Delta Dental