Face it; the days of 100% coverage are quickly disappearing. Using medical supplements has slowed the cost shifting but only for New Jersey employers that have grasped the concept. 1StopBenefits can show employers how to take advantage of the law and design insurance plans and maximize savings. Using strategic alliances, we get your company out of the insurance business and offer benefits that increase retention and help recruitment? 

Allow us to handle the implementation, enrollment and service: Colonial Supplemental offers your employees voluntary, fixed premium benefits that complement existing benefits and offer employees extra protection. Their proprietary communication and enrollment system helps capture information while protecting your employee’s privacy.

Accident, Cancer, Critical illness, Disability, Hospital Indemnity, and Life Insurance

We Use A Four-Step Process:

1)     Colonial supplemental enrollers will conduct short one on one consultation educating employees on benefit options and how supplemental plans can compliment any existing benefits. During this interview personal medical information and use is collected which is used to formulate health insurance plan options.

2)     The collected data is assimilated for best plan design, carrier choice and cost structure. Emphasis is placed on meeting employee needs concerning networks, preexisting conditions and desired outcome.  

3)     Suggested plan is reviewed, authorized by owner then submitted for policy issue.

4)     Final benefit reviews and questions can be addressed through one on one telephone consultations protecting privacy and addressing individual concerns.

Why this process? Many new plan designs are considerable less expensive then traditional group health insurance plans. The plans used entail more cost sharing with participants and commonly will not be elected unless forced or rewarded. New Jersey law allows groups to offer a selection of plan designs to one group with all pre-existing conditions covered. We take advantage of the law to customize your employees plan needs giving them less expensive plans when possible and using supplemental plans to fill gaps with respect to hospital costs and/or copays and non-covered expenses. Tax savings vehicles such as Flexible Spending accounts and Health Savings Accounts are introduced to maximize savings now and years to come. Not one plan meets the needs of all your employees. Choice is appreciated! Get out of the insurance business. Call us today.