A Typical Benefits Package
Traditional Group Benefit Plans – these are structured plans purchased entirely through an Insurance Company. Health Risk Services
They usually consist of a combination of Life Insurance, Accidental Death & Dismemberment, Dependent Life Insurance, Short Term Disability, Long Term Disability, Extended Health and Dental Coverage. These plans are priced based on the benefits chosen and the experience that your group has encountered with its existing plan over the past few years.
Ultra Competitive Packages
Private Health Services Plans (PHSPs) are relatively new to the business owner and offer an alternative method to providing Medical and Dental benefits to themselves and their employees. Since Medical and Dental services are not insured products but “fee for service” products, we have an ability to remove tem from the Insured Programs and create a benefit package that provides distinct advantages.