Learn About the Benefits of Our Insurance Programs

Insurance Products

CANCER

  • Guaranteed Issue
  • Simplified Issue
  • Pays you money directly for cancer related illness and treatment
  • Supplements health insurance to help with out of pocket medical expenses related to to treatment
  • Available for pre-tax deduction
  • Wellness benefit for preventative cancer screenings

CRITICAL ILLNESS

  • Simplified issue
  • Pays you money directly for heart related conditions and treatments
  • Supplements health insurance to help with out of pocket medical expenses related to treatment
  • Available for pre-tax deduction

DISABILITY

  • Long Term Disability (pays till 65 years old)
  • Short Term Disability (pays 1-5 years)
  • Salary protection in case of accident or illness
  • Multiple waiting periods available

ACCIDENT

  • Guaranteed Issued
  • Pays you money directly for accident related injuries
  • Supplements health insurance to help with out-of-pocket medical expenses related to treatment
  • Available for pre-tax deduction

VISION

  • Guaranteed Issue
  • No Waiting periods
  • Eye exams, Lens (including contacts) and Frame Benefits
  • Lasik Discounts
  • Large Provider Networks
  • Available for pre-tax deduction

DENTAL

  • Guaranteed Issue
  • No Waiting periods
  • Large Provider Networks
  • Orthodontia coverage available
  • 100% coverage for preventative care (twice per year)
  • Available for pre-tax deduction

LIFE INSURANCE

  • Universal Life
  • Term Life
  • Guaranteed Issue Products Available

MEDICAL TRANSPORT SOLUTIONS

  • Covers out-of-pocket costs for any Emergency Ground or Air Ambulance
  • Covers in all 50 States
  • Unlimited usage
  • Covers Employee + Spouse/domestic Partners and Children

HOSPITAL INDEMNITY INSURANCE

  • Guaranteed Issue Coverage
  • Pays First Day Confinement
  • Daily Hospital Confinement
  • Hospital Intensive Care
  • Pays cash directly to you!

Benecom Services

Insurance Products

HEALTH REIMBURSEMENT ACCOUNT (HRA)

  • Employer sponsored high deductible health plan
  • Lowers health insurance premium
  • Reimbursement for employer approved medical expenses
  • Reduces employees out-of-pocket deductible
  • Quick and easy Reimbursement

COBRA ADMINISTRATION

  • Initial Coverage Letters
  • Notification Letters
  • Group Health Insurance company notifications
  • COBRA Premium Collections

PLAN DOCUMENTS PREPARATION

  • Flexible Spending Account (FSA)
  • Health Reimbursement Account (HRA)
  • Premium Only Plan (POP)

FLEX SPENDING ACCOUNTS (FSA)

  • Allows you to set aside money for out-of-pocket medical expenses on a pre-tax basis
  • 25%-40% savings on taxes
  • Debit Card Available
  • 24-48 hour reimbursement of claims

DEPENDANT CARE

  • Allows you to set aside up to $5000.00 for child care expenses on a pre-tax basis
  • 25%-40% tax savings
  • Debit Card Available
  • 24-48 hour reimbursement of claims