Category Archives: Dental

Defined Contribution Plan (DCP)

Defined Contribution Ancillary Benefits Plan

This truly unique program that sets up a win/win for both employers and their valued employees.

Employers establish a set contribution per employee. This allows the employer to control costs, as this amount doesn’t change unless they elect to change it.

Employees use this “free money” from their employer to select from an array of ancillary products that best fit their needs, including life, vision, disability and dental. Who doesn’t like to spend the boss’ money? Any premiums over the employer’s contribution is paid by the employee.

The end result is controlled costs for the employer and a happy employee.

Group Dental, Vision, and Disability

Group Dental, Vision and Disability Insurance

Ancillary Products

Ancillary Products are extra coverages that are typically outside the scope of your average health insurance policy. In most cases, even the new Obamacare plans do not provide dental, vision or disability coverage (with some exceptions). We can offer these products on a stand alone basis to add extra benefits to your individual, employer, or Obamacare Marketplace plan.

We have a truly unique group plan available that will help you as the employer contain your costs, while allowing you to offer a customized benefit package to all of your employees. A recent Willis Towers Watson study showed that 75% of employees reported to be more likely to stay with an employer based on their benefit program, which just goes to show the importance of the benefits being offered by companies, and more importantly, how those benefits are being communicated and explained to employees. Our target market is employers with 20 or fewer employees. Because we know that small business owners wear 17 different hats throughout the day, we step in to help educate your employees about their benefits. We help them sign up and answer their questions. Why? Because we recognize that a person running a small business doesn’t have TIME to become a benefits expert. That’s why you’re contacting us in the first place!

Dental Insurance

These programs can include preventative (cleanings and yearly bite-wing X-rays), basic services (such as fillings and simple extractions), and major services (crowns, bridges, implants and dentures to name a few).

Vision Insurance

Our vision is something that many of us take for granted. We usually only go to the doctor when we notice that we can’t see anymore. Vision coverage makes preventative care and updated vision prescriptions more affordable. Many employers find that there are fewer accidents and mistakes in the workplace when their employees can see what they are doing. Contact us to see if a vision plan makes sense for your company and your employees.

Disability Insurance

– Short Term Disability

Short term disability coverage prevents your employees from experiencing financial ruin due to a limited inability to work. It also gives them the opportunity to continue meeting their bills while they recover from an illness or injury, so they don’t rush back to work too soon, sustaining further injury that can have an even greater impact on your business.

– Long Term Disability

A truly catastrophic loss may result in years of lost income. Long term income replacement options provide security when it is most needed.

Personal Insurance

Did You Know?
Ostriches don’t actually bury their heads in the sand at all!
Ostrich parents dig a hole in the dirt in which to lay their eggs. Both parents take turns rotating the eggs throughout the day and may appear from a distance as though they have “buried their heads in the dirt”. However, they aren’t avoiding anything!

Insurance can seem overwhelming. Many people avoid it by filing their renewals and ignoring their premium increases each year.

Please let us review your policies. We will look for coverage gaps that may not have existed when the policy started and make sure you’re getting all the discounts to which you are entitled. It doesn’t necessarily mean additional cost either.

We offer a full complement of policies to cover your health, life, home, transportation, and your stuff. Our experienced agents can answer your questions and guide you through the process.

We offer:

  • Individual/Family Health Insurance
  • Individual Dental & Vision Insurance
  • Life Insurance
  • Home, Condo, Tenant, Mobile Home Insurance
  • Auto
  • Motorcycle
  • RV
  • Boat
  • Umbrella Coverage