We understand the problems facing small & mid-sized business owners today. The bottom line is shrinking and the cost of employee benefits is rising. You want to take care of your employees and we can assist you in not only giving your employees’ access to health care but give you a return on your investment. Our program is needs driven by your employees and is surprisingly inexpensive. The great things about our products are they cost nothing as they are employee funded and benefits to the employees are generally paid “tax free” directly to them. We are local and there to help integrate the program. There are no minimum participation numbers. There are many advantages for the employees: Feature rich plans include doctor visits, no deductibles, no co-insurance, wellness benefits, prescription drugs, in and out patient, ER coverage, accident, short & long term disability, dental, critical illness and a variety of life products.

Most Employers cannot afford benefits. We can provide a Suite of fixed and supplemental insurance benefits which address employees’ needs:

• Access to healthcare –
• Insurance card and network discounts –
• Hospitalization, ICU and surgery benefits –
• Product specific –
• Typically lower than major medical –
• Dental coverage –
• Accident and critical illness coverage

The financial squeeze
Workers pay 47% more now than they did in 2005 for the family health coverage they received through their employment.
Employers pay 20% more toward their employees’ health insurance than they did five years ago.
Kaiser/HRET Survey of Employeer-Sponsored Health Benefits, 2