What We Can Do For You
Making sure you can afford medical care is essential in today’s world of rising medical costs, and having the right insurance plays a big role in helping you protect your hard-earned savings. Today, there are dozens of options available for health insurance plans, including coverage options for dental and vision benefits and even prescription benefits, so you can have the coverage you need to handle all your medical costs without draining your savings account. The amount and type of coverage you need, the copays and deductibles you want to pay, the number of people you’d like to include on your policy and other factors all play a role in determining the policy that’s best for you. Let our agents help you understand all your options, and then create a custom policy that’s tailored just for you.
Benefits Administration:
- Meet with our clients to detail the annual enrollment process desired.
- Finalize the benefit plan designs, eligibility, costs and employee/employer pricing.
- Review the administrative management processes with the insurance vendors and/or third party administrators and our client.
- Provide an Enrollment Summary approximately three months following the plan effective date.
- Design and manage the production and distribution of enrollment communication materials.
- Create customized training materials and conduct employee presentations.
- Consultant will provide clients with on-going information about Health Care Reform.
Products
Group Dental
Studies have shown that people with poor dental care are much more likely to have poor job performance as well as an increased number of absences, yet about half of all Americans don’t have dental insurance to help cover the costs of proper dental care. Offering dental insurance benefits helps your employees stay healthy and focused on their work while positioning your company as one that cares about the needs of its employees. We offer several levels of coverage, from basic plans that focus on preventive care like checkups, cleanings and fillings to more comprehensive plans that include restorative options and even orthodontics.
Group Vision
When it’s time to design a medical benefits package, vision coverage is often overlooked by employers, yet it’s highly valued by employees. We offer plans to provide regular checkups as well as covering the costs of eyeglasses and contacts. Offering vision coverage to your employees, either as a sponsored or voluntary option, is a great way to show your employees that you value them and care about their health and the health of their family members.
Group Medicare
Offering group Medicare insurance options for your employees who qualify for Medicare provides employees with a range of insurance options at a lower cost to your company and to your employee. As an employer, you can choose your contribution level to help control your company’s costs, and we offer plan packages that provide a wide range of insurance options, so your employees can get the coverage they need. That includes prescription coverage as well as coverage for services not included under Medicare Part A and Part B. Let us help you create a plan that’s ideal for your company and your employees.
Choosing a Medicare plan can seem overwhelming and needlessly complex. With so many options and plan “parts,” making sure you have the coverage you need to feel confident and secure can seem like a nearly impossible task. At Perry & Carroll, we understand how you feel. Our agents are committed to providing the guidance and information you need to make the best and most informed decisions regarding your healthcare options. We can walk you through your coverage choices so you understand the services that are available and the different types of coverage that can have a major impact on your healthcare options and your finances. Getting the information you need is the first step in choosing the right coverage for your needs.
Group-Term Life
Group-term life insurance is coverage that employers offer to employees only. It may be employer- or employee-paid. Often, employers offer a specified benefit (flat fee or percentage of salary) that is cost-free for employees, then offer the option for employees to purchase additional coverage. Because spouses and dependents are not covered under this type of plan, some employers also offer a separate voluntary plan to cover them if employees choose.
Group-term life is generally very affordable for employers and when employees understand the importance of life insurance, this offer can increase their appreciation of their benefits package. Group-term life coverage is deductible by employers as a business expense, unless the employer is a beneficiary of the policy.
Voluntary Benefits
Offering employee voluntary benefits is a great way to provide additional coverage that helps employees gain access to options that would cost more if they bought them individually. Voluntary benefits allow your company to build a benefit plan that’s more flexible and competitive, making your company more attractive to top talent. At Perry & Carroll, we provide a broad selection of voluntary benefits options that can help you add significant value at little or no additional cost to your company. Let us review the options we offer so you can decide if adding voluntary employee options makes sense for your business.
Providing coverage that goes above and beyond your standard health insurance plan helps your employees handle the increasing costs of medical care as well as providing them access to benefits that could be of significant value to their lives. It’s a great way to build company morale and to attract and retain quality employees. Give us a call today at 607-734-4291 or fill out the form below to learn about the types of additional coverage we can provide for your company’s benefits package.