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 Group Health Insurance Plans 
The choices for group health insurance have never been more expensive, intricate or confusing. With more and more changes and new governmental requirements each day, your employee benefits package can offer the options you want to provide at a reasonable cost. Adding a compatible high deductible PPO health insurance plan with a new, tax-advantaged Health Savings Account (HSA) can significantly decrease premiums and increase employee satisfaction.  Offering a moderate deductible PPO plan as a base plan, allowing employees to “buy up” to other plans is another cost effective strategy to reducing employee benefit costs.  The savings may be used to provide a wider range of benefits including inexpensive dental coverage, life and disability income insurance.
 Group Dental & Vision Plans 
Dental

After group health insurance, dental insurance usually ranks as the second most popular employee insurance benefit. Whether paid by the employer, the employee, or a combination, dental coverage is usually an affordable option to increase the value of your benefits package. Ask for a customized dental plan for the unique needs of your firm and its employees.

Vision


More and more companies are offering vision plans as part of their employee benefits program. Vision plans can range from simple and inexpensive discount programs to more comprehensive reimbursement plans.
Whether paid by the employer, the employee, or a combination, a group vision plan will be appreciated by your employees. Often times vision coverage is considered a voluntary product - something your employees would find of value and pay for themselves if given a better price and product because of group rates.
 Long-Term Disability Income 
Although not the most popular benefit from an employee perspective, disability income insurance is statistically the most important insurance for all of us.  Employers are encouraged to add this potentially important benefit to their employee benefit packages.  Ask for a customized plan for your firm.
Group Employee Census Information File
If you're interested in having us provide your company with a market survey of all employer group benefit options, please download and complete the file. Once completed, please email the completed census file to our office at brad@cbraddavis.com.