Hiring and retaining good employees can sometimes depend on the benefits you offer them. Providing health insurance and voluntary benefits is easier than you think!
MIBG represents a multitude of products and carriers which means we can provide you with the proper coverage throughout the changes in you or your employees lives or changes in your business. We also monitor rate increases to make sure you are paying the right price for your coverage and that coverages remain adequate from year-to-year.
We offer a broad range of plan designs and funding alternatives including Fully-Insured or Partially Self-Insured Medical Plans and short term medical for those with a temporary health insurance need. We can also help you with alternative health benefit options such as Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs).
Supplemental benefits include Accident, Critical Illness and Hospital Indemnity policies. These types of policies are inexpensive and help with high deductible health insurance costs. They are also a great option for those who are not able to invest in health insurance. These policies pay cash directly to the insured in the event of an accident or illness.
Medicare helps millions of American seniors and disabled individuals cover their health care costs. If you are ready to retire and enroll in Medicare or have employees who are aging off an employer-sponsored health insurance, we can help in choosing the most appropriate and affordable option. When it comes to Medicare, having an experienced broker to help is a valuable asset!
Dental & Vision
Dental and Vision options are very affordable and worth their weight in gold! We have several carriers and discount options available.
Life & Disability
For individuals, we work with carriers that offer Term or Universal Life. For employers who want to offer the benefit to their employees, we have carriers who offer Life and Accidental Death & Dismemberment (AD&D), Dependent Life Insurance, Short Term Disability (STD) and Long Term Disability (LTD).
Ready for a Needs Assessment?
When you're ready to make a decision on insurance for yourself or your business we can help with a no-cost needs assessment! Since we are an independent broker, our advice is unbiased. It only takes a few minutes to get the information we need to give you peace of mind for the future!