Our Services

Helping families and businesses for over 30 years

Navigating Employee benefits can be difficult

Our health insurance benefits are more than your typical solutions
Fully insured plans

In a traditional fully insured plan an employer pays a premium to the insurance company and the insurance company uses those premiums to pay for employees medical expenses and is risk for claims costs. There is no risk in a fully insured plan because the insurance company has assumed the risk in exchange for the premium. However, no refund is given for premium that is not used.

Buy Down Plans

A buy down plan is when an employer purchases a high-deductible health insurance plan and then supplements that plan to ultimately provide employees with a lower deductible. Once an employee meets the lower deductible set by the Buy-Down Plan, the employer provides the benefit directly to the employee until the high deductible plan begins. The cost difference between high and low deductible plans can be substantial making a buy down plan a low-risk option for most companies.

Self or level funded plans

With a self-funded health plan, you pay for your employees’ claims with your own funds. In most self-funded plans you contract with a third party to administer the plan. Since you assume the risk in a self-funded plan the employer also purchases stop-loss Insurance to limit the financial risk. If the group has a low chain year the savings can be substantial. Level funding is another option that gives employers the benefits of self-funding while providing better control of risk.

Dental & Vision

Low Cost Highly Values Benefits

Life Insurance

Affordable Group & Voluntary Options

Disability Insurance

Low Cost Paycheck Insurance

Non-traditional benefit solutions

healthcare advocacy
identity protection
roadside assistance

Custom benefits website

Getting important benefit information to your employees

As an important part of staying compliant with Healthcare reform and

federal labor laws, you must give your employees access to important information. We create a company webpage with important information about their current benefits, forms, provider directories and ERISA required

Why is a custom benefits website important?

Get Important Benefit Information to your Employees

Custom Benefit Information Makes Understanding Easy

Online Enrollment Makes Onboarding Quick & Simple

Always Compliant with ERISA Required Notices & Documents Posted Online

Attract Employees with a Great Looking & Easy to use Benefits System

HR & Administration Services

A comprehensive hr library, tools, forms and trainings
About our online hr library

We have partnered with HR360 to provide our clients with a new, award-winning online library that delivers comprehensive, easy-to-navigate human resources and benefits news, content, tools and forms to companies nationwide.

Our online HR library also features dynamic interactive HR tools such as a job description builder and a salary benchmarking tool. You’ll also find easy, step-by-step guidance on how to comply with major laws including Health Care reform, COBRA and FMLA as well as key HR functions such as hiring and terminating employees. Whether you have five employees or 500 — our comprehensive, easy-to-use site makes it easy to stay compliant.

online hr library features:

– Interactive compliance guides that provide step-by-step direction on how to
properly conduct performance reviews, interview, hire and terminate employees
– A Benefits Compliance Calendar
– Step-by-step interactive guide for implementing COBRA and FMLA
– Fast, efficient online HR tools for developing job descriptions and salary
– Over 700 downloadable forms, posters and model notices

Login to real benefit solutions hr library

HR360 - Your Online HR Dep.
HR Library Tour