Insurance and employee benefits, placed and administered

Coverage for people without an employer plan

Marketplace and off-exchange medical for individuals, families, 1099 contractors and early retirees, including subsidy eligibility, network checks and help through Open Enrollment and Special Enrollment Periods.

Group and personal life protection

Employer-paid basic life and AD&D, voluntary and supplemental life for employees and dependents, plus individual term and permanent policies written outside the group plan.

Coverage that satisfies the school waiver

Medical plans for international and domestic students, including F-1 and J-1 visa holders who have to meet a university waiver standard for deductible, coverage maximums, medical evacuation and repatriation.

Travel medical for family visiting the US

Short-term visitor and travel medical coverage for parents, in-laws and relatives visiting the United States on a B-2 or visa-waiver trip, where a single emergency room visit can run into five figures.

The benefit employees use most

Group and individual dental - DPPO, DHMO and indemnity designs, with the annual maximums, waiting periods and orthodontia riders that actually decide whether the plan feels generous.

Low cost, high visibility

Exams, lenses, frames and contact-lens allowances through national retail and independent provider networks - as a voluntary buy-up or an employer-paid benefit.

Cover the company, not just the people in it

Coverage that protects the entity itself and the contracts it signs - general liability, property, professional liability, workers compensation and the certificates your clients and landlords keep asking for.