Employee Benefits: Plans for Small and Large scale business owners
  •  
  • Community Insurance Agency, Inc., Insurance Services, Northbrook, IL
Looking for Low-Cost options for parents!
  • CIA

Employee Benefits for IT Companies

GROUP INSURANCE EXPERTS

We offer special products for IT company employee benefits. We offer a full spectrum of high quality, competitively priced products and services that provide the flexibility to create an ideal benefits package.

Multiline package coverage can help reduce overall premium rates with The Guardian, rated A+ by A.M. Best, with an excellent nationwide PPO through Private Healthcare Systems (PHCS).

MAJOR MEDICAL An industry leader in Group Health Insurance.We have national PPO networks like.. PHCS, Aetna, Great west / CIGNA, UnitedHealthCare (UHC). We have the following premium funding arrangements : A) Fully insured B) Self-funded C) Level funding D) Self Insured E) Admin. Service Only (ASO)
DENTAL Indemnity, nationwide PPO (Standard, Value Plan, Network Access Plan). Fully insured & Admin. Service Only (ASO)
VISION Visit high-quality Vision Service Plan (VSP) or Davis Vision provider option doctors with more than 22,000 providers nationwide. Fully insured & ASO.
LIFE Term life, group universal life, AD&D, common carrier and voluntary group life insurance
DISABILITY Short Term (fully insured & ASO premium options) and Long Term with innovative, managed disability programs
SECTION 125 Flex plan, premium only plans and flexible spending accounts

We represent following U.S national insurance carriers - The United HealthCare (UHC), CIGNA, Trustmark/Starmark Insurance, Guardian, Aetna, Blue Cross/Blue Shield, Principal, Oxford, Health Net, Assurant Health, Time Insurance and John Alden insurance company. We have insured more that 300+ computer consulting companies (Small size to 2000+ employees nationwide) in the U.S. since 1980. References available upon request.

Please provide the following information to receive the competitive group insurance quotes:
  1. A census of all covered employees. The census must include: name, date of birth, gender (M/F), status (single, couple or family), monthly or yearly salary (if you need disability coverage), employee state of residence and home zip code.
  2. A copy of your current benefits: medical, dental etc...
  3. If you have any benefit changes, please give me that information so that proposal can be tailored to your current or future requirements.
HIGH QUALITY SERVICE AND COMPETITIVELY PRICED
  • High quality coverage(s) from a first rate leader in employee benefits
  • A national company with over 100 years tradition of strength and stability
  • Lower premiums - Take advantage of our cross selling discounts
  • Lower expenses
  • Packaging permits softer renewals of all product lines
  • One billing statement
  • Simplified administration and claims processing
  • Expertise of professional, experienced sales & support staff
  • Superior case management
  • Enrollment & ongoing service assistance & Employee benefits hot line
MEDICAL COVERAGE:

We offer a complete portfolio of quality products, and we're constantly pioneering the development of new dynamic products and services to respond to consumer's contemporary needs. We give you the flexibility to choose the ideal benefit package for any size group, from 2 to 20,000 employees or more.

The insurance companis we work with have a claims turnaround time that is one of the fastest in the business. Not only are we fastest, we're also consistent, fair and accurate. Claims systems administer all claims according to your plan's specific provisions.

MEDICAL PLAN DESIGN OPTIONS:
  • Many Combinations of plans that have $250, $500, $1000, $2500 or higher Deductible and 100%, 90/10%, 80/20% Co-insurance plans.
  • Family Deductible Options Available. Two or three family deductible
  • Preventive Care Benefits (If your state mandates coverage - it's already included.)
  • Preventive Care Benefits can be written with the Deductible waived.
  • Prescription Drug Card Benefits are available with $5, $10, $15 , $25 & more...
  • A variety of Dependent Age Limits are available.
  • Calendar Year or Policy Year Carry-Over Deductible Options.
DENTAL COVERAGE:
  • Minimum Participation: 35% or 10 enrolled employees, whichever is greater
  • One of the largest nationwide PPO networks in the industry
  • #1 in fully insured new business plan cases and best premiums for the past 7 years.
LIFE COVERAGE:
  • Minimum Participation: 15% or 10 enrolled employees, whichever is greater ($2,500 annual premium minimum).
  • 30% enrollment gets you an employee non-medical amount of : 50-99 lives $25,000, 100-249 lives $50,000
  • We offer Group Universal Life (GUL) with Optional Life on groups of 50+ lives. Combined participation requirement and combined non-medical amounts.
VISION COVERAGE:
  • 10 or more eligible employees when tied to our Dental or Medical. 100 or more eligible employees when tied to another carrier's voluntary Dental or medical. 500 or more eligible employees for stand alone policy
  • Largest vision care network with over 22,000 provider locations nationwide
  • Average in-network savings is 27% greater than average retail chain
DISABILITY COVERAGE (Short & Long Term [STD & LTD]):
  • Minimum Participation: 25% participation or 10 enrolled employees, whichever is greater.
  • Available to groups of 10 or more lives
  • Compatible claims administration for STD and/or LTD plans written with us
FLEX/SEC-125:
  • Available to groups of 50+ lives
  • Premium Only or Premium, Dependent Care & Medical Reimbursement
  • Dependent Care/Medical Reimbursement costs $4- $6 per month per participant in flex plan.