About

Supporting businesses & teams    Employee benefits packages that people really want, attract and retain the best talent.

We can help you choose supplemental coverage that matches your employee’s needs.  Additionally, we partner with excellent Professional Group Plan administrators to add value via providing Major Medical options.

Key Employer Advantages

• Flexible Cost Options:
  Offer benefits at little or no cost to your company. Choose between 100% employee-paid (voluntary) or employer-sponsored contributions, with the flexibility to decide your level of involvement.
• Fill Benefit Gaps:
  Our voluntary benefits supplement existing plans, protecting employees and their families from financial strain due to unexpected medical expenses or loss of income if disabled.
• Cash Benefits Paid Directly:
  Employees receive cash benefits to use for everyday living or out-of-pocket expenses, including accident, critical illness, disability, hospitalization, and life coverage.
• Improve Morale & Retention:
  Offering robust benefits can boost workplace morale, productivity, and loyalty, helping you attract and retain top talent.
• Seamless Administration:
  Premiums are handled through convenient payroll deduction, with a dedicated billing coordinator and professional claims support. Enrollment is easy with personal consultations, in-person or virtually, including support for new hires and annual enrollment.
• Guaranteed Issue Products:
  Valuable coverage at reasonable prices, with guaranteed issue options available for employees’ budgets.
• Complimentary Value-Add Services:
  Enhance your benefits package with free programs such as Combined Connections (access to daily deals), Combined Cares Prescription Discount Program (discounts on prescriptions, hearing care, diabetes supplies), telemedicine, ID theft protection, and accidental death & dismemberment insurance—available to any employee who meets with an enroller, at no cost to your organization.