EBMG will make understanding plan design much easier. We will assist you in evaluating all of the different variables including co-payments, deductibles, coinsurance, and prescription drug benefits. We will help you decide if a traditional co-pay plan or a consumer driven healthcare (CDHC) plan (often called an HSA plan) is better for your business. If you choose a CDHC plan, we can help you with establishing health savings accounts (HSAs) and/or health reimbursement arrangements (HRAs). We can also make sure your plans are compliant by getting your Section 125, FSA, and/or HRA documents from one of our working partners.
Dental & Vision Plans
EBMG will help you find affordable dental and/or vision plans for your employees. These plans can be employer-paid, voluntary/100% employee-paid, or a combination. We work with many ancillary carriers, so we can help you select the right plans for your needs.
EBMG works with hundreds of financially stable life insurance companies (as measured by A.M. Best, Moody’s and Standard & Poors). We will ensure that our clients secure the most economical financial products that will be there down the road when they need them. We can arrange both group and individual plans. Group plan options include standard group term life, group voluntary supplemental life, and executive life insurance. Executive plans can encompass cross purchase agreements, key person life insurance, and company owned life insurance (COLI). Individual plans can include term life, permanent life plans, mortgage repayment insurance, child insurance, and guaranteed issue plans with no medical questions.
Disability insurance is one of the most important, yet overlooked, types of insurance. Meanwhile, 65% of the workforce will become disabled at some point during their career. It is important to consider the impact of what would happen if you or an employee were unable to work for a month, or longer – and equally important to plan ahead to mitigate that risk. EBMG can help you understand coverage alternatives and attain the right disability plan for your needs, and the needs of your employees. We can arrange employer-funded or voluntary/100% employee-paid plans, including short term disability (STD), long term disability (LTD), supplemental management or “carve out” LTD, and key person plans. We can also arrange supplemental individual LTD coverage, as well as business owner overhead insurance.
We work with AFLAC, Colonial, and others to offer additional 100% employee-paid benefits to your employees, which comes at no cost to you.
Third Party Administrators (TPAs)
We partner with a number of top TPAs and consultants to help you with additional property and business insurance, management, and planning needs. We can connect you with solutions for Cobra/NC continuation, human resources, retirement planning, legal and compliance issues. We can assist you with plan documentation for your Section 125, flexible spending, HRA or HSA plans.
It’s difficult to stay abreast of ACA changes. EBMG tells me what I need to know.
– HR manager
We help our clients focus on the big picture, making them aware when changes in the benefits landscape should inform their benefits strategy.
– Dan Hynes, President