Supplemental Insurance

The rising cost of insurance is a growing concern for employers and employees alike.  Where health insurance is provided by the employer, often high deductibles and even higher out of pocket expenses are part of the policy terms necessary to keep premium costs down.  Supplemental insurance helps you and your employees fill the gaps in coverage and provide for the greatest risks you face. In most cases supplemental insurance is offered as a voluntary product paid 100% by the employee.  Many employers choose to offer supplemental products even where they are not able to provide employer paid health benefits.  Most supplemental products can be included in a pre-tax plan that saves both the employee and the employer money on taxes.