Group Health Insurance & Employee Benefits

We provide free quotes and assessments of group coverage from multiple carriers.  We look for innovative plan options as well as simple strategies such as benefits offered to chamber members.  Contact us for more information at 804.798.4438, email, or download a census to complete. 

Consumer Driven Health Plans

Whether it is an HRA, HSA, or FSA, we will discuss the ramifications of the plans and see if one is right for you.  These accounts offer tax advantages, cut premium dollars and offer flexibility depending on how the plan is designed.  Health Reimbursement Accounts (HRA) have been very cost effective for employers.  Flexible Spending Accounts (FSA) allows employees to set aside money, tax free, for qualifying medical or dependent care expenses.  Health Savings Accounts are for both individuals and groups on a qualifying health insurance plan. 

Employers and individuals no longer have to pay high premiums for the "off the rack "insurance plans.    Many options are now available to complement the new insurance plans, allowing money to be set aside versus being spent towards a high dollar premium. 

Individual and Family Health, Auto, and Home

We will discuss your needs and budget and find the plans that are best designed for you.  Coverage is extremely important, and it is best to plan for the "what if".  However, we realize premium costs can be intimidating, so we will shop for the best plan at the least expense.  With auto and home, discounts are often given when coverage is combined with a single carrier.  Contact us for further information on health, auto, or home.   For individual or family health insurance, you may apply online.

Dental Insurance

We offer plans for individuals and group coverage.  Most plans offer basic preventative care services, but we offer other plans as well with richer benefits. 

Disability & Life Insurance

Whether a long term or short term disability, the loss of income due to disability can significantly affect your lifestyle.  We offer many plans with various options so as to lessen the financial burden if you are disabled. 

We will assist you in determining the amount of Life Insurance coverage that you need to provide financial stability for your family.  And, as time changes, your life insurance coverage needs will change as well.  Whether expanding your family or changing careers, we will assess your needs to make sure you are adequately covered. 

Medicare

We take the time to discuss the options with seniors who are eligible for Medicare coverage.  There are Medicare advantage plans, supplements, and prescription drug plans available by several carriers.  We look at your individual needs, your prescription drug usage, and assist you in determining which plan is the best policy for you. 

Contact us at 804.798.4438 or email  us to discuss any of your insurance needs.