Program Designs

As a fully independent national life & health consultancy we design and help administrate the highest quality, cost effective fully insured and self-funded medical, dental, vision and supplemental health insurance programs. We are committed to service to employer and employee.

• Custom Designed Self Funded Health Benefit Plans
• Self-Funded Plans for employers having 75+ employees with normal cash flow and normal claims.
• Stop-Loss Insurance utilized to avoid unnecessary employer risk.
• Multiple Option Plans (MOP) normally utilized with self-funded plans, empowers employees to select from a range of benefits options in a risk vs reward setting to better accommodate high vs low utilization users of the plan.
• HSA, HRA & Section 125 and 105 System designs for small, medium and large companies. A turnkey administrative service that combines a savings corridor by using higher deductible health insurance that lowers annual insurance premiums. Medical reimbursements from the savings supplements costs in higher medical usage years.
• Fully Insured and Administrative Service Only Plans from all quality insurance carriers.