Group health insurance involves paying fixed monthly premiums to an insurance carrier. With a self-funded plan, your business pays claims directly, offering more control and potentially lower costs. Stop-loss insurance is typically added to protect against high claims.
Yes. Voluntary benefits are 100% employee-paid. They allow your team to access valuable coverage—like dental, vision, life, and disability—at group rates, with no added cost to your business.
This plan lets employees visit any provider, anywhere—no network required. They pay fixed benefits for specific services and are ideal for remote teams, part-time staff, or businesses looking for low-cost, flexible healthcare solutions.
Self-funded plans typically make sense for employers with 25+ employees who want more control over benefit design and cost. We offer a free consultation to assess if it’s a fit based on your goals and claims history.
Yes. While we’re based in North Carolina, we serve employers and employees in all 50 states.
Yes, but they work best as either a basic standalone plan or a supplement to a major medical plan. We help tailor your coverage based on your team’s needs and budget.
Stop-loss insurance protects your company from large or unexpected claims by capping the maximum financial risk you take on annually.
We provide easy-to-use portals and enrollment support. Most voluntary benefits include streamlined digital claims processes and customer service teams for direct assistance.
Yes. All our fully insured and self-funded solutions meet Affordable Care Act (ACA) compliance standards, and we help guide you through employer requirements.
Absolutely. We help you segment benefits by employee type (full-time, part-time, contract, etc.) while ensuring compliance with federal and state laws.