Group Products

Paired with a group major medical insurance plan, Link helps employees reduce their out-of-pocket costs. A link to employer flexibility. Options include a range of coinsurance and maximum-benefit amounts. HSA-compatible plans are also available. A link to affordability and simplicity. Non-medical underwriting, no pre-existing condition limits, and low-cost premiums make Link a win-win for employers and employees.

When high deductibles and out-of-pocket expenses are a concern, employers can offer Evolution to help manage both. This group fixed indemnity plan pays lump-sum benefits in the event of unexpected medical care—hospital room and board, emergency room treatment, ambulance services and more. It’s a perk that can be offered on its own or paired with major medical or self-funded insurance plans. An HSA-compatible option is also available.

Essential to any group benefits package, dental insurance is designed to encourage employees and their families to maintain healthy teeth and gums. Dental plans from IHC Specialty Benefits help make routine dental care more affordable and lessen the out-of-pocket impact from procedures such as fillings and root canals.

For employer groups of two or more, our dental insurance plans can be customized with a range of options: network (PPO) or non-network (indemnity), added vision benefits, waiting periods, employee choice for groups of five+ enrolled, and more.

For employers seeking an alternative to fully insured health plans, Simplified Funding Concepts (SFC) provides a self-funded health plan coordinated with stop-loss protection. SFC meets the Affordable Care Act’s individual mandate requirements and is governed by federal law under the Employee Retirement Income Security Act (ERISA). It’s easy to implement and can be customized to a group’s specific needs.

Available to groups of 10 to 50 employees, SFC comes in a variety of plan designs, including high-deductible HSA-qualified and Rx options. The program includes third-party plan administration and stop-loss insurance coverage through a highly rated carrier. A single monthly payment is applied to the claims account, plan administrative expenses and stop-loss insurance program.

Pet Partners

Pet insurance is one of the newest and most in-demand employee benefits in today's market. With more and more pet owners considering their pets as family, they want to care for them like family. The PetPartners Employer Benefits Program allows employers to offer pet insurance as a voluntary benefit at a discounted rate.

PetPartners offers flexible options that can work for large and small companies alike. There are no minimum participation requirements, no enrollment fee, options for direct pay or payroll deduction, employees can self-enroll or enroll during open enrollment.

Learn More

Pet Partners

Designed to provide financial help for loss of income at competitive prices. Life and disability are available to groups as small as 2 employees and are underwritten by Madison National Life Insurance.

Learn More

Pet Partners

Cube-land is out; the gig economy is in; remote work is standard and loyalty to the same company is no longer a moral imperative. As the workforce changes, we recognize the need for flexibility. Use our complete, turnkey solution or uncouple the elements that you need to create the perfect solution. Let us support your efforts and help you achieve a better worksite experience!

Learn More

David T. KettigPresident and Chief Executive Officer

Type your content here ...