Harvard Pilgrim Healthcare                             United Healthcare

Fallon                                                               CIGNA

Voluntary (worksite) Benefits

Attract & Retain valuable employees at no additional cost. Voluntary benefits (also known as worksite benefits or supplemental benefits) are a powerful complement to every company’s benefit package. They reduce the pressure for more company-paid benefits while expanding choices for employees. Policies are owned by employees and funded through payroll deduction. Coverage is affordable and portable and Plans can provide family coverage as well.

Voluntary Plans pay cash benefits directly to policyholders – not to medical providers, providing a financial cushion during a critical health event. Coverage is designed to support the employee's quality of life during an extensive accident or illness.  Most plans can be paid for on a pre-tax basis under a Section 125 Cafeteria Plan providing savings for both the employer and employees. Benefits paid to employees are not taxed. Surveys show that when employees can pick and choose their own benefits, they are happier and retention is enhanced. Types of Coverage offered include:

Short Term Disability

Our Personal Short-Term Disability insurance may help provide you with a source of income if you become disabled due to a sickness or off-the-job injury. It provides monthly benefits for periods of 3 months, 6 months, 12 months, or 24 months. When you own Personal Short-Term Disability insurance, your policy stays with you regardless of job change

Accident Indemnity

Our Accident Indemnity Plan helps cover the expenses associated with an accidental injury. It pays you directly, regardless of any other insurance you may have. Benefits include:

§    Accident Emergency Treatment

§    Accident Follow up Treatment

§    Accident Initial Hospitalization

§    Accident Hospital Confinement

§    Accidental Death and -Dismemberment

§    Many others

Life Insurance

Term life insurance, whole life insurance, and a combination of both to provide the level of coverage you need. You can apply for up to $200,000 ($100,000 for applicants over age 50) total coverage. In addition, the health questions on your application for coverage do not require a medical exam or blood test. Your premiums will be automatically deducted from your paycheck. Coverage automatically includes a Waiver of Premium Benefit in case of total disability and an Accelerated Death Benefit.

Cancer/Specified Disease 

When a covered individual is diagnosed with cancer, this plan provides benefits for hospital confinement, radiation and chemotherapy, and surgery, among others. In addition, it will pay a First-Occurrence Benefit when a covered individual is first diagnosed as having internal cancer. Benefits include:

§     Hospital Confinement

§     Radiation and Chemotherapy

§     Cancer Screening & Wellness

§     National Cancer Institute (NCI) Evaluation/Consultation

§     Many others

Critical Illness

This plan pays a benefit when a covered individual is first diagnosed as having a covered life-threatening health event. Pays a First-Occurrence Benefit as well as hospital confinement and continuing care benefits for:

§     Heart attack and coronary artery bypass surgery

§     Stroke

§     Major human organ transplant

§     Coma

§     Many others

Hospitalization

Pays a benefit when a covered person is charged for required hospital confinement of 14 or more hours for a covered sickness or injury. Benefits are determined by state, but may include, among others:

§     Hospital Confinement

§     Hospital Short Stay

§     Surgical

§     Wellness

§     Separate Heart Attack, Stroke, Coma and Paralysis

Dental

Our Dental Plan provides basic, preventive, and major dental benefits to covered individuals. Eligible treatments are listed in the policy by American Dental Association (ADA) code. The Dental Wellness Benefit is payable once per visit, regardless of the number of treatments received. For benefits to be payable, 150 days or more must separate dental wellness visits. This benefit is payable twice per policy year, per covered person. A dentist or dental hygienist must perform the treatment. There is no waiting period for this benefit.

Vision

Coverage is provided for eye diseases and injuries in addition to eye exams and materials benefits. Coverage includes:

§     No provider network restrictions

§     Eye Examination Benefit

§     Vision Correction Benefit

§     Eye Surgery Benefit

§     Specific Eye Disease/Disorder Benefit

§     Permanent Visual Impairment Benefit

Group Dental Plans

Dental insurance is one of the most desired employee benefits. Offering an employee benefits portfolio that includes dental can help attract and retain the best employees for your company More than 75% of employees rated dental insurance as "extremely important or important" for themselves and their dependents. Of employer groups with 6 to 49 employees offering dental benefits, 93% consider dental an essential or a differentiator in their employee benefit portfolio. Group dental insurance is typically available to companies with two (2) or more employees. Most dental plans cover some combination of the following:

§     Preventative/Diagnostic Care (cleanings, x-rays, etc.)

§     Basic Restorative (fillings, tooth removal, endodontics)

§     Major Restorative (crowns and dentures)

§     Orthodontics (braces, teeth straightening)

SBHIN represents a diverse group of dental carriers and can custom-design a plan just for your group.

Mini Med Health Plans

Today’s skyrocketing health care costs have forced many businesses to reduce employee benefits, extend waiting periods, increase employee contributions, or eliminate coverage altogether for their hourly workforce.

Our plans offer you an easy to implement, easy to manage way to ensure all your employees have affordable access to the basic health care they deserve. Designed for part-time and hourly employees, our plan helps reduce turnover, absenteeism and fraudulent Worker’s Compensation claims. Providing health care for your part-time and hourly employees will improve your company image, increase morale, and boost your recruiting efforts. These plans provide limited medical benefit coverage to full-time, part-time, entry-level employees and any other employee who cannot afford or is not eligible for the employer's traditional major medical plan. It also provides coverage for employees of companies that are unable to provide major medical coverage but want to provide some health insurance coverage and security for their employees. Coverage includes:

§     Physician's office visits

§     In-hospital stays

§     Surgical procedures and anesthesia

§     Prescriptions - drug discount card

§     Physical exams and diagnostic tests

§     Diagnostic x-ray and outpatient lab tests

§     Critical illness expenses

More & More Employers are trying Limited Health Plans – click link below for

Wall Street Journal Article on Limited Health Plans  - SBHIN represents a diverse group of limited benefit mini-med plan carriers and can custom-design a plan just for your group.

Medical Gap Plans

This product is intended to provide reimbursement for costs related to deductibles and co-insurance/co-payments not paid by the primary underlying medical plan. Gap plans offer a solution to financially draining out-of-pocket health costs created by co-payments, deductibles, and co-insurance expenses incurred during in-hospital and outpatient visits.

Chamber & Association Plans

If you are a self-employed and shopping for a health insurance plan for yourself, your family or your company you may be able to obtain better health insurance rates by joining a business association like a Chamber of Commerce. SBHIN markets a full range of benefits and insurance programs to groups of all sizes. Contact us to find out how you can qualify for the most competitive group health insurance rates as a member of a Chamber of Commerce or Association.

Life & Disability

Group/Individual Life Insurance

Group life insurance policies provide the traditional offerings of term and permanent coverage, with most companies providing a basic level at no cost to the employee. Employees have the option of purchasing supplemental insurance in addition to the basic policy at their own cost. SBHIN can research a variety of insurance carriers to find the one with the best plans for your needs.

From your perspective as an employer, you can offer group life insurance to your employees at a minimal cost to you. Since there are no medical exams required for basic coverage, there is only a determination of risk based on age, sex and salaries of your employees. Risk factors are averaged to calculate the premium. While both term and permanent life insurance policies are available, most employers choose to offer term policies that provide coverage for employees for the duration that they work for the company. Types of policies include:

Term Life Insurance

Term insurance is designed to provide protection for a specified period of time. It is the most affordable and flexible life insurance option available – providing protection for either a 5, 10, 15, 20 or 30-year term.

Whole Life Insurance  

Whole life insurance provides death protection, as its name suggests, for the whole of life. Typically the policyowner would pay the same premium for as long as the insured should live. Premiums can be several times higher than premiums you would pay initially for the same amount of term life insurance, but they are smaller than the premiums you would eventually pay if you were to keep renewing the term life insurance policy until the insured's later years. The value of permanent life insurance is that protection is ongoing – you never need to worry about the term of your policy ending or make decisions about what to do next, so your family’s security is always maintained.

Universal Life Insurance  

Universal Life Insurance provides coverage and builds cash value. It is a flexible type of permanent life insurance, allowing you to make adjustments to the amount of your premium or death benefit at any time. A universal life insurance policy provides lifelong coverage and accumulates tax-deferred cash value over time. Universal Life has several unique features not found in whole life policies. Specifically, the policyowner is provided with the flexibility to vary the timing and amount of premiums and the face amount, depending upon present needs.

Group/Individual Disability Insurance

Disability Insurance

Disability Insurance protects your most valuable asset—you, and your ability to earn income. If you become disabled, you most likely will not be able to earn enough income to cover your continued living expenses. Disability Income Insurance will provide monthly payments to help meet your daily living expenses. Disability Income Insurance provides monthly payments, up to a specified amount and for a specific time period after a covered illness or injury occurs. Insurance must be purchased prior to your illness or injury. Disability Insurance provides a way to protect your income and your standard of living.

Group Short Term Disability

Group short-term disability insurance policies are taken out by an employer and offered to employees. Even a brief disability can be difficult for your company and your employees to overcome. Group Short-Term Disability Insurance can help you work through those times with minimal interruption. Short-term disability insurance provides covered employees with income in the event of a non-work related disability (work-related injuries are covered under legally required Worker's Compensation insurance.) Maternity is covered under most plans as a short-term disability. In a typical plan, benefits are paid at 60% of the employee's gross income. Payments can begin on day one for an injury and day 8 for an illness. Payments are made for 90 days.

Group Long Term Disability

Nearly one in five Americans will become disabled for one year or more before the age of 65. Long-Term Disability Insurance protects employees' income in the event of a disability – and helps them return to work as soon as possible. Long-term disability insurance provides covered employees with income in the event of either a work or non-work related disability. In a typical plan, benefits are paid at 60% of the employee's gross income. Payments begin after a 90-day elimination period. Benefits may be paid until normal retirement age.

Individual Disability Insurance

This is most commonly a long term disability insurance plan that provides individuals with income in the event of either a work or non-work related disability from accidents or illness. In a typical plan, benefits are paid at 60% of the employee's gross income. Payments begin after a 90-day elimination period. Benefits may be paid until normal retirement age.

Group/Individual Long Term Care Insurance

In addition to being faced with the possibility of disability, many people in their 40s and 50s are also faced with assisting aging parents. Three-fourths of adult children in America will have to provide physical or financial help to their parents. This help is often needed just at the time when their own children are making the greatest demands on their time and resources. Long-term care insurance can help alleviate this situation by providing funds for care in a variety of settings, including home health care, adult daycare facilities, assisted living facilities and skilled nursing facilities. The average daily cost of nursing home care I the United States is $285.00 per day. That is a phenomenal amount to have to come up with on your own. Long Term Care Insurance is designed to preserve assets and lifestyle in the event of an extended illness or injury that requires costly long-term care. Coverage typically pays benefits for the loss of two or more "Activities of Daily Living" or severe cognitive impairment. Long-Term Care Insurance provides the assistance you need if you have a chronic condition leaving you unable to care for yourself for an extended period of time. Covers a broad range of services including nursing home care, assisted living facilities and adult day care. Group Long Term Care Insurance allows employers to tailor their plans to cover spouses or parents, or to include retirees and eligible family members. This product delivers a flexible combination of employer-funded and employee-purchased coverage, to meet a broad range of employer budgets.

Benefits include:

• Nursing home
• At Home Care
• Alternate plan of care
• Plus many others

Discount Plans

Dental Discount Plans

Business and Group Dental Discount Plans - An innovative way to offer valuable dental care options to individuals and employees.

Aetna Dental Access Network

The Aetna Dental Access Network offers flexible dental benefits that are easy to implement and practically effortless to manage. Our innovative solutions allow businesses to break free from typical, high-cost insurance packages and provide many money-saving dental care options. Aetna Dental Access is a discount or reduced-fee dental program. This program is designed for health conscious consumers looking to maintain their oral health and minimize their dental care expenses. General dentists who participate in Aetna Dental Access have agreed to accept the Aetna Dental Access contracted rate as payment in full for services performed.

The plan provides average dental discounts ranging from 15-50 percent on everything from general dentistry and cleanings to root canals, crowns and orthodontia. We utilize the Aetna Dental Access network for our Dentachoice product. Our members have access to more than 66,000 dental practice locations nationwide through one of the largest dental discount networks in America. Participants simply present their ID card for immediate savings at the time services are rendered.

§    Save on routine dental services such as x-rays and fillings.

§    Save on specialty care such as orthodontics and periodontics where available.

§    All dentists are credentialed and participate in a quality management program.

§    No health restrictions

§    Easy to use

§    Present your card and save

§    No paperwork, you pay the discounted amount at the time of your visit

§    Use the card as many times as needed

§    No predetermination of benefits required

§    No referral required to see a Specialist

For Additional information on Group Rates and a sample table of Aetna Dental Access discounted fees Click here

Vision Discount Plan  

Business and Group Vision Discount Plans - An innovative way to offer valuable vision care options to individuals and employees.

Coast to Coast Vision Network

Savings of 20% to 60% on most prescription eyeglasses, frames, and lenses, through a national network of over 12,000 independent and chain vision optical centers. You can also save 10% to 20% on contact lenses (excluding disposables) at participating retail locations. Receive10% to 30% discounts on medical eye exams and surgical procedures, such as PRK and LASIK.

For Additional information and a sample table of discounted fees Click Here