Benefits your team values — without the budget surprises.
From group medical to disability, life, and supplemental coverage, we build a benefits package around your people and your numbers — then handle enrollment, questions, and renewals so your HR team doesn’t have to.
Every line of coverage, one advisor.
Medical
- Group major medical
- Level-funded & self-insured
- Health-benefit programs (Health365, Ideal Health)
Dental, vision & hearing
- Group dental (PPO & DHMO)
- Vision plans
- Hearing benefits
Disability & income
- Short-term disability (STD)
- Long-term disability (LTD)
- Accident & critical illness
Life & supplemental
- Group & voluntary life
- AD&D
- Supplemental health
Fully-insured or self-funded? We’ll model both.
The right funding strategy can mean real savings — or real risk. Because we’re independent, we run the numbers honestly and recommend the structure that actually fits your group.
Fully-insured
The carrier takes the risk; you pay a set premium. Predictable, simple, and often the right call for smaller or risk-averse groups.
- Fixed monthly premium
- No claims-risk exposure
- Easiest to administer
Level-funded & self-insured
Your group funds claims (with stop-loss protection). When your team runs healthy, the savings come back to you.
- Potential year-end surplus
- Claims & utilization insight
- Stop-loss protects the downside
Health-benefit programs that stretch every dollar.
For groups that need affordable coverage without a traditional premium, our portfolio adds direct primary care, low-cost pharmacy, and mental-health support — starting as low as $173/month per member.
Benefits your team feels
Coverage that keeps your people healthy — and your business competitive.
Let’s price your group — free.
Send us your census or just your headcount. We’ll come back with real options and a plain-English recommendation.