Quality and Flexibility:
Our product line includes a variety of different carriers and health
plans to meet your needs. Carriers like: American Community, American
Medical Security, Blue Cross and Blue Shield of Michigan, Health
Alliance Plan and Midwest Security, just to name a few. We can customize
any plan or combination of plans to meet the needs of you and your
employees. In addition to health insurance we can also provide dental,
vision, disability, life and pension programs through the finest
carriers.
EMPLOYEE BENEFITS
Funding Mechanisms:
· Fully Insured
· Partially Self-Funded
· Self-Funded
Health Care:
The challenges employers face providing health care for their employees
range from selecting the proper vendor to choosing the right plan
design mix.
Plan Options Include:
· EPO
· HMO
· POS
· PPO
· Traditional Indemnity
· Multiple Plan Options
Dental:
· DHMO
· PPO
· Traditional Indemnity
· Multiple Plan Option
Pharmacy Benefits (Rx):
Currently, prescription drugs are rising at a cost much higher than
inflation and this trend is expected to continue for several years.
Thus, managing prescription drug costs become critical in keeping
employee benefit expenses down. Insurance Marketing offers the following
solutions:
· Discount Programs
· Fully Insured
· Self-Funded
Vendor Selection for COBRA and HIPAA
Vision
Life/AD&D
Disability (Short and Long Term)
Employee Assistance Programs
Flexible Spending Accounts
Voluntary Worksite Benefits
Travel Accident Coverage
Long Term Care
Legal Plans
Section 125 Cafeteria Plans EXECUTIVE BENEFITS
Disability:
Supplemental disability coverage can be very important to provide
to highly compensated executives or employees. This coverage can
be offered with the following advantages:
· Portability
· Coverage available up to 80% of income
· Guarantee issue
· NON-CAN
Life Insurance *:
There are various ways to provide life insurance benefits to executives
and to do so in a way that minimizes negative tax consequences.
In most cases, the goal of these plans is to minimize the current
year-to-year income tax cost of the plan to the employee and to
distance the life insurance coverage from the employee's estate
for tax planning purposes. A group term life plan can include
a special class for executives and provide them with relatively
higher amounts of insurance within the group plan.
* IRS Section 79 allows an employee to provide up to $50,000 without
any imputed tax income consequences.
Long Term Care
INDIVIDUAL PROGRAMS
Health Insurance:
· Fully Insured
Click HERE to view a portfolio
of our carriers.
Contract as an Agent:
Fill out our on-line form to contract
as an agent in Michigan.
Request a Quote:
Fill out our online form to receive a Individual
or Group quote on insurance.
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