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Dental, Vision & Disability

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Ancillary Benefits (Dental,Vision, Group Life)
Dental and vision insurance are the mainstream of ancillary benefits and for good reason.  These benefits lead to healthier employees and greater productivity.  We are seeing the out of pocket expenses increasing for policy holders of traditional PPOs and HMOs.  And Consumer Driven Health Plans (CDHP) are increasing in popularity.  A well thought out ancillary package can help direct some of the premium dollars being save to improve the overall quality of the benefit package.  The ancillary benefits packages that are being offered by the insurance companies are becomingly increasing flexible in the way they let employers choose how to apply them.  The insurance industry has also done a very good job at simplifying the management of these packages.



Traditional Method:

Employer provides specific benefits and pays most or all the premium.  The trend has been to transfer increasingly larger share of the costs onto the employee through payroll deduction.  Personal responsibility is a major component of modern benefit packages.  The major drawback to the traditional method is that it limits the employee’s ability to make chooses on how their benefit dollars are being spent. 


Defined Benefit:
The employer contributes a set amount to the benefit package.  The employees choose which benefits that they are interested in and pay any differences through payroll deduction.  Using a define contribution method the employer has a lot of flexibility in the manner that they set up the benefit package.  When the employees have a good understanding of the benefits being offered and have the freedom to choose what is best for them, they have a tendency to appreciate the value of what you are offering them.   They also have the tendency of using the benefit dollars wisely.

Voluntary:
 The employer is offering the benefits on a completely voluntary manner.  Many of the benefits are the same as the ones in a define benefit program.  Frequently the same ancillary insurance program is being used.  The advantage of these programs is that the employee can use the savings from choosing a less expensive health insurance plan to buy an ancillary product that fits their needs. 
 
Below is a selection of insurance companies that offer ancillary benefits.  The health insurance companies offer a range of ancillary benefits as well.  Each company has unique qualities that enable it to excel in certain niches.  The common theme is ease of administration.  A well thought out benefit program provides your employees with the choice of the benefits that they need.  The benefit program should be easy to understand and be able to be managed with a minimum of effort.  Part of the process of developing a high quality benefit program is to be aware of how using pre-tax dollars affects the final cost of your program. 

 

Dental

Vision

Life     

Disa-
bility

Critical
 Illness

 Other

 

 X

 X

 X

 X

 X

 X

"If you've been looking for a provider who offers a broad range of quality employer-funded and employee-paid benefits on a single, customer-friendly platform, your search is over."
 

 X

 X

        "We believe in delivering quality results with impeccable customer service, while ensuring a seamless transition for everyone."
 

 

 

 X

 

 

  "We primarily market and distribute BEST Life insurance, and have future plans to market other insurance products."
 

 X

 X

 X

 

 

 X

"Choice Builder gives employers with 2 - 99 employees access to some of the nations premier dental, vision, chiropractic and life carriers - all in ONE program."
 

 X

 X

        "Delta Dental provides exceptional service, extensive dentist choice, and substantial claims savings through its affordable dental coverage to 24 million enrollees."
 

 

 

 X

 X

 

  "Our group benefits fit the special needs of small businesses. We relieve small business owners of time-consuming details. And provide plans you can implement and administer from your desktop. To help you get a better return on your dollar without getting away from your desk."
 

 Dental

 Vision

 life

Disa-
bility

 Critical
 Illness

 Other

 

 
Hollman Group

 

 

 

 

 

 X

"The Holman Group is a national company founded in 1979. We are pioneers in managed behavioral health care and we are continually creating new and innovative solutions for employers, employees and their dependents. The Holman program offers assistance addressing the full array of personal problems that affect an employee’s day-to-day life. We can design a plan to meet your group’s specific needs from a simple EAP to a full Federal Compliant Carve-out, to a work/life or wellness program."
 

 X

 

 

 

 

 

"Premier Access is one of the fastest growing dental carriers. We provide dental coverage for employees for thousands of small to large size employer groups, as well as local and state municipalities and government agencies."
 

 X

 

 X

 X

 X

  "MetLife sets itself apart by offering a comprehensive Group Life portfolio that uniquely addresses the needs of our three key audiences—Group Customer, Participant, and Beneficiary.  MetLife’s robust product portfolio provides multiple solutions to help employers offer the right benefits and employees to obtain adequate coverage today and as their needs evolve."
 

 X   

 X

 X

 X

 X

 X

"Over 50 Million people worldwide have chosen Aflac because of our commitment to providing customers with the confidence that comes from knowing they have assistance in being prepared for whatever life may bring."
 

 X

 X

 X

 X

 X

 X

"Guardian offers a variety of products for both individual and business needs, whether you're interested in building wealth, accessing it, protecting it, or providing for your employees."
 Sun Life  X    X  X    X  
  AIS  was founded in 1979 to promote equal access to life and health benefits.  They specialize in unique products that meet the needs of companies with just a few employees.  

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