Employers

We strive to help you put together an attractive benefit package that will help you attract and retain skilled and key employees. As independent brokers we have the ability to access the products from all participating insurance companies. Since all brokers can offer all products the primary difference you will find between agencies is the level of service. There is none better than ours and we prove it everyday.

Health insurance- there are a wide variety of group medical products available in the Florida marketplace. By sifting through the plans offered by all of the insurance companies we can help you select those products that satisfy your need to provide quality benefits that will be appreciated by the employees while at the same time keeping the costs within your budget. Today’s plans include tax-favored HSA compatible benefits that allow employees to contribute pre-tax dollars to Health Savings Accounts. By re-directing monies from the insurance companies to these personal accounts employees are encouraged to take a more proactive role in their own health care. In addition we will help you offer multiple plans so that employees have more freedom in choosing the type of medical coverage they prefer.

Life and disability insurance- Some employers prefer to provide life and disability insurance to their employees. Having been in business in Florida for 25 years we are able to locate those insurance companies who offer the most competitive costs for these benefits. At the same time, it is very important to understand the contractual language offered by these carriers. Not all benefits are alike. By aggressively exploring the marketplace we encourage competition among the insurance companies who are eager to gain your business. As a result we can be certain that you will get the best benefits available at the lowest possible cost. And, we work hard to keep those costs down, year after year.

Voluntary group benefits- we suggest offering some benefits to employees on a voluntary basis. Benefits such as dental insurance, supplemental life insurance, short and long term disability, cancer, accident policies, vision benefits, critical illness. Employees appreciate having the opportunity to purchase these types of benefits and many can be purchased on a pre-tax basis.

Our existing clients tell us that they like being able to rely on us for help with such issues as billing, compliance with State and Federal regulations, claims issues, or simply help in locating participating providers. We have the experience and willingness to administer COBRA, FMLA, QMCSO, file CMS reports and 5500s. Reviewing or establishing your Section 125 Plan document and performing discrimination testing to comply with DOL regs is another service we will perform.

Our goal is to take the benefits burden off of the shoulders of your HR department while at the same time making certain that your benefits program maintains compliance with the State and DOL.

Employees

We want you to learn to rely on our help with the issues that arise with your benefits. Whether it be help with locating participating provides, understanding your benefit options, resolving claims or billing issues, we are here to help. Our existing clients know that they can count on us to help them navigate the often bureaucratic maze of insurance benefits and claims. We often find errors in hospital or lab bills when helping employees with claims issues. We want to help keep your hard earned money in your pocket. Further, we can be reached most days both before and after regular business hours. While clients do have customer service numbers and website addresses of the various insurance companies they often find that issues will get resolved more quickly by turning to us for help. Please click on our “Links” tab to find some very helpful sites that will enable you to better manage your benefits.