With Custom Benefits as your benefit partner, we provide you with everything needed to maintain an affordable, robust employee benefit package. In fact, when you work with us, you are working with a Registered Employee Benefit Consultant (REBC) who has gone through a rigorous training process to gain in-depth knowledge of group insurance and employee benefits, ranging from health insurance to retirement plans, and more. With healthcare and health insurance costs sky rocketing, we use a variety of tools help employers compile the best possible benefits package to attract and retain employees and increase employee retention, while stabilizing costs.
As an REBC, at Custom Benefits we don’t just sell group health plans and contact you at renewal time! Our approach is client centered – a partnership that helps clients curve rising healthcare costs, and effectively manage their benefit programs.
Consultation process designed to find the best benefit strategy to meet your employees’ needs while meeting your financial objectives. See more.
Comprehensive support for you and your employees during enrollment and throughout the plan year. See more.
To ensure your employees have seamless coverage from year-to-year, we think proactively and outside-of-the box. See more.
We are a FREE resource to help you design your benefits utilizing a variety of employer or employee-paid combinations, risk sharing structures, and wellness strategies and incentives to fit your needs and keep healthcare affordable for all parties.
An HMO group health plan requires employees to appoint a primary care physician who directs treatment utilizing service providers affiliated with the HMO. HMOs offer access to a comprehensive package of health care for a low monthly premium. A small co-payment is often required for services, depending upon the type provided.
PPO group health plans offer a vast network of quality healthcare providers and facilities. Employees save the most money on healthcare if they use providers within the network, as some services may be only partially covered or not even covered at all when outside providers are used. Also, many services may not be covered if deductibles are not first met, however, the plan includes important wellness and preventative services provided outside of the deductible with a small co-pay.
POS plans combine features of HMOs and PPOs. Most POS plans require members to choose a primary care physician from within the POS network, but allow them to use out-of-network specialists with a referral from a primary care physician. Co-payments will be higher for out-of-network services.
Most insurers include wellness benefits in their comprehensive coverage, designed to improve lives and keep members healthy. At no extra cost, your group health plan will generally include services like
Employees always appreciate dental coverage as part of the basic benefit package. Studies have shown that regular dental exams help employees to stay healthier and more productive in the work place. Additionally, you can detect serious underlying conditions such as heart disease and diabetes, through regular dental exams. In fact, the National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with dental insurance have better attitudes and are less likely to suffer from depression, a common condition in today’s fast-paced world.
Dental insurance offers a variety of diagnostic, preventative care and corrective services. This includes cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling.
Similar to dental policies, vision plans are inexpensive and save employees money on routine eye care. Examples of care include exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Additionally, monitoring your eye health with regular exams helps to prevent serious eye diseases like glaucoma and cataracts. In addition, regular eye exams help to detect early stages of diabetes, high blood pressure, and high cholesterol.
A good life insurance policy provides for an employee’s final expenses, taxes, mortgage and more. Additionally, it may even pay for their children’s education. Also, employees are more productive when they feel secure that their loved ones will be taken care of, in the event of illness or an untimely death. Smart employers consider life insurance a key part of the benefit package, and a valuable tool in attracting top talent.
This type of life insurance builds cash value which is sometimes used as collateral for loans, if needed. However, most employers only offer basic term life insurance (see below), but also offer permanent life insurance on a voluntary basis. Even so, employees appreciate the opportunity to widen their safety net.
This type of life insurance does not build cash value. However, it will pay a set amount to the named beneficiary upon the death of insured within the stated term. Additionally, some policies may also make payments upon terminal or critical illness.
National surveys have shown that Short Term Disability and Long Term Disability remain of high importance for most employees. Thus, savvy employers attract and retain top talent by offering both STD and LTD insurance as part of the employer paid benefit package or as a voluntary (worksite) benefit.
During the time an employee is unable to work due to a qualifying disability (illness or injury), STD generally allows for income payments to the employee to begin after about a two-week waiting period and will continue to pay the employee until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.
During the time an employee is unable to work due to a qualifying disability (illness or injury), LTD generally allows for income payments to the employee to begin after about a 90-day waiting period. However, it could be much longer depending on the policy. The policy will pay the employee far longer than STD–for a few years, up to age 65, or even for life.
We help retirees and other eligible employees tackle the challenges of ever increasing premiums and health care costs by purchasing a quality Medicare Supplement. While there are many options, the best coverage is a plan that leaves you with the least expenses, and has the lowest premium.
How Medicare Supplements Work:
Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.
There are many different types of Medicare Supplement policies available, however they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers.
Custom Benefits USA is family owned insurance agency offering health, life, dental, and other health related benefits. We help Medicare recipients navigate the complicated Medicare system, as well as offering additional Employer and Individual Health Services. Our motto – we help clients skip the headache of finding good health insurance, as find and explain the best options for their particular needs and budget at no additional cost.
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As independent brokers, our insurance guidance is provided at no cost and you will never pay a higher premium by utilizing our services.
As independent brokers, our insurance guidance is provided at no cost and you will never pay a higher premium by utilizing our services.
