Blue Cross & Blue Shield Health Insurance
Provides health insurance for association members with guaranteed coverage available. A minimum of 400 members or independent contractors in the association is required. Programs can choose Traditional, PPO or HMO coverage and can provide substantial revenue sharing to the association. Offering Health Savings Accounts (HSA’s) is a beneficial alternative to lower premiums and achieve tax deductions for members.
Other Health Insurance Carriers
Provides a lower cost alternative for health insurance, especially groups with younger members. Primary coverage is through PPO’s with some HMO’s available. HSA’s can lower the premium cost dramatically while providing additional tax benefits.
A complete range of dental products and delivery systems through contracted dentists including traditional fee-for-service, dental PPO’s and HMO’s. Members can also use out-of-network dentists with a small copay. A valuable benefit to combat the dental industry’s rising costs.
Coverage includes both short-term and long-term disability with flexible plan design featuring a choice of benefit periods, percentage of income to be replaced and benefit maximums. Programs are available for both professional and blue collar occupations with guaranteed issue coverage up to various benefit maximums.
AFLAC’s Accident, Health and Disability Insurance
A flexible and encompassing program for members to supplement their individual health insurance programs with a variety of policies from which to choose. The world’s number one provider of payroll marketing for supplemental insurance.
A low cost option for life insurance provided with a large group discount. Plans include guaranteed issue programs, portability, accelerated death benefits and survivor support.
Long Term Care and Home Health Care Insurance
This fastest growing benefit offered to associations includes plans for members and their families, including parents. This logical and cost-effective solution to the rising costs of the nursing home industry provides a variety of benefit options that is both flexible and comprehensive. Each member designs a plan tailored to his or her own specifications.
Auto / Home Insurance
Automobile and homeowner’s insurance with a variety of discounts underwritten through various carriers, the most popular being Citizen’s Insurance and Hastings Mutual. Members choose from a full range of personal and business coverage at the discounted price.
Workmen’s Compensation and Directors’ and Officers’ Liability Insurance
Liability coverage for the member’s business is brokered through various workmen’s compensation carriers that will provide the best discount for the association’s particular industry. For associations and their boards, directors’ and officers’ liability coverage protects those who serve the association from a variety of exposures. Virtually mandatory for any association board.
Vision Care Program
A member paid vision care plan that offers comprehensive coverage for members and their families. As most associations and 75% of firms do not offer vision coverage, this is a perfect addition to existing association plans and is fast becoming an integral part of the total health care program.
A great way for members to reduce current tax liability through qualified and non-qualified retirement and deferred compensation plans. For associations with independent contrators, Simplified Employee Pension plans can be a simple and cost effective way to take the maximum qualified deduction from Federal and State income taxes.
Professional Liability Coverage
As individual policy costs increase, buying through an association gains a substantial discount. Many medical and legal associations don’t give much of a discount, if any. Our program provides substantial discounts through our expertise in design and procurement.