EMPLOYER HEALTH INSURANCE
GET COVERAGE FROM MAJOR CARRIERS
- United Healthcare
- Total Plan Services
- National General
FOUR TYPES OF DENTAL COVERAGE
Preventive services: Typically have no waiting period and include routine dental exams, routine X-rays, cleaning, fluoride treatment, sealants and space maintainers.
Basic services: Typically have a six-month waiting period and include dental exams, X-rays, routine extractions, treatment to ease dental pain and simple fillings.
Major services: Typically have a 12-month waiting period and include root canals, crowns, inlays, onlays, veneers, bridges, dentures and oral surgery.
Orthodontia: Typically not a covered dental expense for individual plans (see group dental through employer only or visit Discounts by Design offering a discount dental plan for your whole family for only $5.95 a month)
GROUP TERM INSURANCE
If you need a more cost-effective option to cover your employees, you may want to consider group term insurance. This affordable option provides cash for the families of your employees when they need it most. Plus, everyone qualifies for this guaranteed coverage.
WORKERS’ COMPENSATION INSURANCE
Although workers’ compensation coverage is not legally required in the state of Texas, it is the best way to protect your business. As an employer, you are still liable for on-the-job deaths, medical expenses and disability. Safeguard your business by considering all of your options.
Quick quotes for health insurance
CAFETERIA INSURANCE AVAILABLE
This type of insurance coverage is used in conjunction with Internal Revenue Section 125 and helps to make premiums more affordable for your employees. This allows premiums to be paid before taxes are deducted. This is a handy tool to be used for families dealing with:
- Payroll deduction products that can be used in Section 125
- Indemnity accident plans (pays benefits for accidents and can be on or off the job)
- Bridge plans (pay the deductible and daily indemnity)
- Critical illness with cancer
- Cancer plans for the individual
- Heart and stroke plans
- Discount programs
Get a free policy review and consultation.
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Saturday: By appointment only
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