Benefits

Group Benefit Plans
Managing your group benefits does not have to be a hassle. At 1st Alliance we provide the necessary support to service you and your staff.

If a billing issue arises, you can contact us and we’ll coordinate with the insurance provider to assist with any questions or problems. We are your partner and here to help.

What was your last enrollment like? 1st Alliance provides traditional one-to-one enrollments; we feel this offers the most employee engagement and confidentiality regarding these most personal decisions. This time is used to help educate and counsel your staff on their benefits needs. By coming to your work-site, your company retains the best opportunity for profitability and minimizes down-time.

Best of all there are no fees for this support and our service is available 24/7.

If you are not a client of 1st Alliance, we can service your existing benefit plans.
Contact us for more information.

Group Health Insurance
How would you like to save on health insurance rates? Not all agents/agencies are the same, if your current benefits costs are getting out of control, we can make a difference! At 1st Alliance we will provide all available plan options from all carriers and markets to demonstrate your best options.

Self-Funded Benefits Programs
A different approach for those companies with a large group of participants in their health plan is to consider, Self-Funded benefits.
The overall benefits of Self-Funding is as follows:

* You control the plan design, i.e. deductibles, out of pockets, etc….
* In most cases you avoid high increases
* Avoidance of state-mandated benefits
* Administrative charges are lower
* Claims processing is quicker and effective

These are just a few advantages of Self-Funded plans, contact us for more details.

Dental Insurance
A great compliment to your group health plan is a great dental plan. The plans are vast, yet simple to choose from. Sample coverages are as follows:

* Dental Cleaning
* Fillings and Crowns
* X-Rays
* Orthodontics

We provide a wide variety of dental carriers, tell us what you would like in a dental plan and we’ll find it.

Vision Insurance
A group health plan wouldn’t be complete without vision, group vision plans provide eye examinations, frames, lens and/or contacts depending on your choices.
If you are looking at LASIK, we have access to the carriers that provide discounts for this procedure.

Life Insurance
A group life insurance plan is typically a term policy that will cover your employees and their dependents.
Advantages of group life would be guaranteed issue because the policy is issued to the employer.

Disability Insurance
Disability insurance assists those that are not able to have full health functions or disabled for a short time period. Benefits are limited to a stated period of time, providing 50-66 2/3 of earnings or flat amount depending on policy choices. Options available are short-term and long-term disability coverages.