Core Benefit Services provides a range of insurance policies and services beyond medical. The products we offer complement each other to give our customers a benefit package that provides confidence and peace of mind to the employees as well as efficiency and cost effectiveness to the company.  In other words, we create an exceptional value by customizing plans to meet the needs of the business and the employees.

Medical Insurance

• Benefits for hospital confinement, outpatient doctor visits, surgery, and prescription drugs.
• HMOs, PPOs, POS, HRAs, HSAs & Indemnity plans.
• Fully Insured & Self-Funded available.

Dental Insurance

• Benefits for preventive, basic, restorative and major dental care.
• We utilize dental provider networks for even greater savings.
• Fully Insured & Self-Funded available.
• Long- & Short-Term Disability Insurance
• Income replacement to help your employees make ends meet if they become disabled from an accident, illness or pregnancy.

Life Insurance and Accidental Death & Dismemberment Coverage

• Tailored coverage for individual needs and to provide financial security for family members.
• Group and individual plans available.
• Group Term and Universal Life coverage available on a payroll deduction basis.

Section 125 Cafeteria Plans

• Also known as Flexible Savings Account (FSA’s), Section 125 Plans allow employees to pay for Qualified Medical Expenses (QME’s – IRC 213) with pre-tax dollars.
• Employees may also pay insurance premiums, parking/commuting expenses, out-of-pocket health care expenses and/or dependent care expenses on a pretax basis through Cafeteria Plans.
• The employer also benefits by having their portions of social security tax and Medicare tax waived on those payroll dollars the employee runs through the Cafeteria plan.
  Supplemental/Voluntary Benefits
• AFLAC, Colonial, Allstate, UNUM and others available
• Coverage is available for dependents as well as the employee.
• In many cases, coverage can be continued, even when the employee changes jobs or retires, with no increase in premiums. Plans include:
  • Cancer coverage
  • Critical illness
  • Supplemental life insurance
  • Disability coverage
  • Accident insurance
  • Credit protection
  • Prepaid legal plans
  • Medical bridge

Executive Benefit Plans

• Coverage for key personnel within your company, including, but not limited to:
  • Coverage for non-reimbursed medical expenses
  • Executive life insurance
  • Retirement plans

Health Savings (HSA) & Reimbursement (HRA)Accounts

• Includes the design, implementation, and annual review.
• Employee awareness and satisfaction is enhanced by comprehensive communication and education campaigns.
  
• Through contracted TPAs we offer complete administrative services including debit cards.