Major Medical

Group major medical plans are available in South Carolina for any group of two or more full-time (30 hours per week or more) employees. Benefits, participation rules, and underwriting guidelines vary greatly between carriers. There are many ways to design affordable benefit designs to meet the needs of the employer. From Fully Insured coverage, including Individual Coverage Health Reimbursement Arrangement (ICHRA) to Level Funded, from Health Savings Account (HSA) to Health Reimbursement Arrangements (HRA), we have a solution for you.

Group Dental

Group dental plans are available on either an employer pay or a voluntary basis. When the employer contributes, the premiums are less expensive and participation requirements apply. Benefit structures are fairly standard among carriers; however, determining what percentile of allowed charges the carrier uses for paying benefits is very important. Waiting periods may or may not apply. Most companies offer optional orthodontics coverage for dependents of larger groups as an added benefit.

Vision Insurance

Vision benefits typically include coverage for routine eye exams, prescription glasses or contact lenses, and sometimes discounts on elective procedures like LASIK or PRK. These benefits are designed to support eye health, potentially improving productivity and overall well-being. 

Accident, Cancer, Critical Illness, Hospital Indemnity, and Voluntary Life

Designed to help you not only attract new employees, such benefits are designed to help you care for your most valuable work asset – your employees.   By providing a comprehensive package, you and your employees can have access to benefits that can help to provide financial security, often during the most difficult times.

Group Life, Long Term Disability, and Short Term, Disability 

Group life, long-term disability (LTD), and short-term disability (STD) plans are available on an employer pay or voluntary basis. The employer generally selects the parameters of the plan such as waiting periods, benefit amounts, and benefit periods. These programs provide benefits for loss of earnings due to death or a disabling injury or sickness. Often times LTD and STD plans can be blended together to allow the employer to optimize premium and benefits. Certain limits apply to guaranteed issue amounts and benefit percentages of income. Short-term disability (STD) plans provide protection against loss of earnings due to disabling injury or sickness. The employer selects a waiting period that must be met before benefits begin, determines how long the benefits are payable, as well as reviews and can select many optional benefits such as residual benefits and cost of living adjustments. These programs are strictly underwritten, and individuals can usually secure coverage of up to 66 2/3% of their pre-disability earnings.

Third Party Administrators

TPAs collect premiums and process claims pursuant to a service contract and may also provide one or more administrative services pursuant to life or health coverage. Third-party administrators do not include a carrier or employer sponsoring a plan.