Benefits Consulting and Management
Empowering financial security with tailored insurance options
With extensive knowledge and refined strategies, we implement benefits programs for small business owners, families and individuals.
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Partnerships with all major carriers to provide comprehensive coverage
We partner with top insurance providers
Discover complete peace of mind with comprehensive coverage and robust benefits packages.
Our mission is simplification. Streamlined group insurance benefits targeted specifically for smaller employer groups.
We specialize in providing tailored medical insurance solutions for small businesses and families. With a deep understanding of the unique challenges faced by our clients, we strive to simplify the complex world of health insurance. Our dedicated team works closely with you to identify the best plans that meet your specific needs and budget, ensuring comprehensive coverage that protects your employees and loved ones.
We believe in fostering long-lasting relationships built on trust, transparency, and personalized service, empowering you to make informed decisions about your health care options. Let us help you navigate the intricacies of medical insurance, so you can focus on what matters most – growing your business and caring for your family.
Insurance & Benefits Offerings
Streamline your insurance and benefits offerings with our comprehensive solutions
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— Roger Johnston, Founder
Self-Service Application Process
Get the right insurance to meet your needs.
Comprehensive Life Insurance
Protect the things that matter most to you
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Comprehensive family and individual insurance solutions.
We’re dedicated to guiding individuals and families through the complexities of medical insurance, empowering you with personalized solutions that cater to your unique health needs and financial circumstances. With a wide range of plan options, we take the time to understand your specific requirements, ensuring you find the best coverage for your lifestyle.
We partner with top insurance providers
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Medical & Dental
Supplemental Coverage
Life Insurance
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Frequently Asked Questions
Have some questions before you get started? Check out our FAQs below or give us a call at (407) 574-2508
Health insurance typically covers hospital stays, doctor visits, prescription medications, preventive care and more. All fully insured health insurance plans cover preventive services like annual checkups, vaccinations and screenings at no cost.
HMO: Requires you to use a network of doctors and get referrals for specialists.
PPO: Offers more flexibility to see doctors outside the network without referrals.
EPO: Provides access to a network without needing referrals, but no coverage for out-of-network care.
Employers generally share the cost of premiums with employees. The employer covers a percentage, while the employee pays the remaining portion through payroll deductions. These contributions are made on a pretax basis, which reduces the cost by both federal and FICA (7.65%) taxes. For example, someone in a 12% tax bracket would pay $80 for every $100 in premiums. The higher your tax bracket, the more you save.
You can enroll during the annual open enrollment period or if you qualify for a special enrollment period due to life changes like marriage, birth, or loss of other coverage. Special enrollment is triggered by qualifying life events such as job loss, marriage, having a baby, or moving to a new area.
Deductible: The amount you pay for services before insurance starts covering costs.
Coinsurance: Your percentage of cost sharing once the deductible has been satisfied. The most common is 80/20, meaning once the deductible has been satisfied, insurance will pay 80% of the remaining bill(s) and 20% is your patient responsibility. Coinsurance is your share of costs until you reach your out-of-pocket maximum.
Out-of-pocket maximum: The most you can pay for covered healthcare services during your plan year. Once this amount is reached, all remaining costs are covered 100% by insurance.
Copay: A fixed amount you pay for services, like doctor visits or prescriptions, not subject to the deductible.
You can access telemedicine through your insurer’s platform or mobile app, or by scheduling an online appointment with an in-network provider.