Employee Benefits

A comprehensive, strategically designed employee benefits plan will help you attract and retain one of your most valuable assets, your employees. Our talented staff will partner with you to develop an effective benefits strategy which incorporates your culture, funding methods, selected products, compliance issues and corporate communications. We will work with you to minimize administrative time and associated costs, acting as an extension of your Human Resources Department.

To better assist you with your benefits issues, you can choose from our broad range of consulting services:

Group Benefit Products Offered:

Medical (self-funded, fully insured and consumer driven health) Dental Vision Life/Accidental Death and Dismemberment Voluntary Worksite Benefits Health Savings Accounts COBRA Family Medical Leave Act		Supplemental Life (employee and dependent coverage) Short and Long Term Disability Long Term Care Pet Insurance Flexible Spending Accounts/Cafeteria Plans Retirement Planning (401(k), 403(b), profit sharing and defined benefit). Wellness Prepaid Legal Executive Benefits

Web site Design/Administration: Customized Web site to showcase your company's benefits programs, corporate policies and provide consistent, accurate plan information to both existing and prospective employees.

Group Insurance

Health Insurance is one of your most important needs. Without it, one serious illness or accident could wipe you out financially. We offer information that will help you decide which is the best plan for you and your budget.

Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance and is generally the least expensive kind.

Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by our agent.

Individual and/or Family Health Insurance

Health Insurance - Wick Pilcher Insurance Agency Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.

There are several different types of individual health insurance. You can get fee-for-service, HMO or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.

Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you. He will make sure the policy protects you from large medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.

If your family includes just two adults, it is sometimes less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because situations change, it is important to review your health insurance regularly with your agent.

Cost is not the only consideration when buying health insurance. It is difficult to determine exactly what you will spend per year on health care. You do not know whether you will be sick 6 months from now and need an operation. You also need to consider the benefits of each policy - compare plans carefully for both cost and coverage with your agent.

To receive a quote for individual or family health insurance, click on the links below. The rates you will receive are the lowest possible rates for your age and gender. Medical underwriting is required by all carriers and the quoted rates may increase due to different factors including height/weight ratio and individual medical issues.

Automated Group Benefits Rater