Group Insurance
At C&R Benefits Center, we recognize that choosing the right health insurance plan for your employees is crucial for their well-being and the success of your business. There are many options for you to consider, including:
Fully-Insured Plans
Fully Insured Plans are the cornerstone of traditional group health insurance, providing employers with a reliable way to offer comprehensive health coverage while maintaining predictable expenses. By paying a fixed premium to an insurance carrier, employers effectively transfer the risk of claims, allowing them to focus on their core business without worrying about unexpected healthcare costs. These plans are not only straightforward but also designed to meet the diverse needs of your workforce through a wide variety of plan options. With their simplicity and reliability, Fully Insured Plans can enhance employee satisfaction and retention.
Key Features:
Fixed Monthly Premiums: Enjoy predictable expenses with no hidden costs.
Risk Management: The insurance carrier assumes all financial risk, providing peace of mind.
Diverse Plan Options: Tailor your offerings to best serve the unique needs of your employees.
Simplified Administration: Streamlined processes make managing benefits easier than ever. Choose Fully Insured Plans to provide your employees with quality health protection while ensuring your organization's financial stability and growth.
Level-Funded Plans
Level-Funded Plans seamlessly combine the advantages of fully-insured and self-funded health insurance options, offering a compelling choice for employers. With a fixed monthly payment, businesses can effectively budget for healthcare costs while ensuring coverage for administrative expenses, stop-loss insurance, and claims funding.
Imagine the potential for financial rewards: if your claims are lower than expected, you could receive a substantial refund at the end of the year, effectively lowering your overall healthcare costs. And if claims exceed your projections, the built-in stop-loss insurance safeguards your organization against exorbitant costs, providing peace of mind.
Key Features:
Fixed Monthly Payments: Simplifies budgeting and planning for healthcare expenses.
Year-End Refund Potential: Opportunities for financial savings if claims are lower than anticipated.
Comprehensive Stop-Loss Insurance: Protects your business from excessive claim costs.
Flexible Plan Design: Tailor the plan to meet the unique needs of your organization and workforce.
Embrace the advantages of Level-Funded Plans and empower your business with a strategic approach to healthcare management.
Individual Coverage Health Reimbursement Arrangement (ICHRA)
The Individual Coverage Health Reimbursement Arrangement (ICHRA) empowers employers to enhance their employee benefits by offering a fixed amount of money for purchasing individual health insurance plans. This innovative approach not only provides unparalleled flexibility but also allows for customization to meet the unique needs of each employee. By implementing ICHRA, employers can effectively control costs through defined contributions, ensuring a sustainable benefits strategy.
Key Features:
Defined Employer Contributions: Set contributions provide budget predictability while still offering generous benefits.
Employee Choice: Employees gain the freedom to select their health plans, ensuring that their specific healthcare needs are met.
Flexibility and Customization: Tailor benefits to align with the diverse preferences and circumstances of your workforce.
Potential Tax Advantages: Leverage potential tax benefits for both employers and employees, making it a financially savvy choice.
Embrace the future of employee health benefits with ICHRA and foster a more satisfied, healthier workforce.
Supplemental Benefits
Supplemental Benefits deliver vital additional coverage that empowers employees to navigate out-of-pocket expenses not covered by their primary health insurance. These benefits encompass a range of options, including accident insurance, critical illness insurance, hospital indemnity insurance, life insurance, dental coverage, vision care, and more. By integrating supplemental benefits into your offerings, you not only strengthen your overall benefits package but also foster greater employee loyalty and satisfaction.
Key Features:
Provides essential coverage for out-of-pocket expenses, ensuring peace of mind for employees
A diverse array of options, including accident, critical illness, hospital indemnity, life, dental, and vision insurance
Enhances the overall benefits package, making your organization more competitive in attracting and retaining top talent
Actively supports employee retention and satisfaction, creating a thriving workplace culture
What We Offer
At C & R Benefits Center, we believe that providing insurance coverage is just the beginning. Our true commitment lies in delivering an exceptional, personalized experience that makes us stand out from typical call centers.
As your local, hands-on broker, we are here to guide you through every aspect of the client experience with dedication and expertise. Our services extend beyond simply selecting a group plan; we offer continual support tailored to your unique needs.
Our comprehensive offerings include:
Expert Guidance: We help you choose the ideal plans that cater to both your business objectives and your employees' well-being, ensuring a perfect fit.
Seamless Onboarding: Experience a smooth and efficient onboarding process that sets your group up for success from day one.
Dedicated Support: Count on us for assistance with processing new hires and managing departing employees, making transitions effortless.
Personalized Planning: We ensure that your Open Enrollment and Renewal periods are successful with tailored strategies and planning.
User-Friendly Portal: Our intuitive online employee portal allows easy access to customized benefits information and plan selections, enhancing employee engagement.
Proactive Assistance: We offer guidance during crucial life transitions, such as turning 26 or moving into Medicare at 65, ensuring your employees feel supported every step of the way.
Full-Service Team Access: Our experienced team is readily available to assist with onboarding, billing inquiries, ID card management, and claim resolutions, providing peace of mind.
Contact us today to discover how C & R Benefits Center can empower you to offer the coverage your employees desire and need, driving the success and growth of your business. Let’s work together to build a brighter future for your workforce.