NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227) TTY: 711, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Give your team access to cancer, accident, and hospital indemnity coverage that costs you nothing — and pays them cash when they need it most.
Your best employees — the ones who show up every day and work hard — may be one accident or one diagnosis away from a financial crisis. A serious illness or injury doesn't just threaten their health. It threatens their mortgage, their car, their family's stability.
Voluntary benefits exist to fill exactly that gap.
Voluntary benefits — also called worksite benefits — are supplemental insurance policies that employees elect and pay for through payroll deduction. As the employer, you pay nothing. You simply offer access. The employee owns the policy and keeps it even if they leave your company.
A cancer diagnosis changes everything. Treatment, travel, lost wages, and out-of-pocket costs add up fast — often well beyond what health insurance covers.
Accidents happen — on the job, at home, on the road. ER visits, follow-up care, physical therapy, and time off work create real financial pressure fast.
A hospital stay can mean days or weeks out of work. Hospital indemnity insurance pays a fixed daily or per-admission benefit — in cash — regardless of what health insurance pays.
Watch this short video to see how voluntary benefits provide financial protection when your employees need it most.
These policies pay cash directly to your employee when they have a qualifying event. They can use it for anything — mortgage, groceries, car payment, childcare — whatever keeps their family stable while they recover. No restrictions. No reimbursement process. Just cash when they need it most.
You don't pay for it. But your employees will remember that you made it available.
Premiums are paid 100% by the employee through payroll deduction. Your only job is offering access.
If an employee leaves, the policy goes with them. That's a benefit they'll value — and tell others about.
In many cases, premiums can be deducted pre-tax through a Section 125 cafeteria plan, reducing taxable payroll for both employer and employee.
Benefits packages attract better candidates and reduce turnover. Voluntary benefits add real value without adding budget.
Health insurance covers a lot. But deductibles, copays, and lost wages aren't covered. Voluntary benefits fill exactly that gap.
No complicated group plan administration. I handle the enrollment, education, and paperwork for your team.
Voluntary worksite benefits are completely separate from Medicare Supplement (Medigap) insurance. Medicare Supplement plans help cover costs that Original Medicare doesn't pay — like copayments and deductibles — for people 65 and older enrolled in Medicare. Voluntary benefits are for active employees of any age and pay cash benefits directly to the policyholder when a covered event occurs. They work alongside any existing health coverage, including employer group plans. Learn more about Medicare Supplement plans here.
I'll walk you through exactly what voluntary benefits would look like for your business, what it costs your employees, and how easy it is to add. There's no obligation and no cost to you to have the conversation.
Serving Lakeland, Polk County, and surrounding Central Florida