"Springer Benefits works with me like they are my business partner, helping me to evaluate the plethora of sometimes confusing options in order to make better benefits decisions."
 
- Jeff Crist

 Crist Consulting Group
 

 

Group Health Insurance is a key benefit of employment and crucial to attracting and retaining employees. Finding the right group health insurance plan for your business can be challenging. Evaluating the insurance companies and plans; examining the deductibles and co-pays; understanding limitations and exclusions can be confusing and overwhelming at times. Springer Benefits can help you make the best choice for your business and your employees, selecting a plan that offers the benefits your employees need, without a bunch of "extras" your employees won't take advantage of.

Medical Insurance

PPO Plans High Deductible Plans / HSA HMO Plans
  • Lower premiums
  • Fixed co-pays for office visits
  • Combinations of co-payments and co-insurance
  • Optional deductible amounts
  • Lower cost alternative for employee benefits
  • Fixed co-pays for preventive care
  • HSA and HRA qualified plans
  • Tax advantages for employers and employees
  • Low out-of-pocket costs
  • World wide coverage for Emergency and Urgent Care
  • No paperwork or claim forms

Dental Insurance

Dental plans generally cover 100% of Diagnostic and Preventive services and varying percentages (typically 50%) of other dental service such as Oral Surgery and Orthodontics. Coverage typically includes:

  • Diagnostic procedures
  • Semiannual checkups (including cleanings) and periodic x-rays
  • Procedures that restore teeth
  • Oral and maxillofacial surgery (teeth extraction and oral surgery)
  • Periodontics (treatment of bone and gum diseases)
  • Prosthodontics (fillings, dentures, bridges, and crowns)
  • Orthodontics
  • Procedures that restore teeth
  • Oral surgery
  • Root canal therapy

Vision Insurance

Vision insurance is an option for most medical insurance plans. The option covers both eye exams and eyewear. The coverage is typically designed with a per-calendar-year cycle benefit, insuring employees have access to eye care on a regular basis.

Disability Insurance

Disability insurance (also known as income protection insurance) is designed for one purpose: to help provide financial security in the event a long-term illness or injury prevents you from earning your usual income. With this coverage your future earnings can be protected should illness or disability strike.

Life Insurance

We offer both individual and life group insurance policies. All products can be offered on an employer paid or voluntary (employee paid) basis.

Universal Life Insurance Term Life Insurance Accidental Death/Dismemberment
Has the added option of tax-deferred earnings on accumulated cash value. Both the insurance and cash value components of Universal Life are designed to allow adjustments in contribution amounts as financial needs change. The most common type of Life insurance benefit offered by employers today. Benefits are typically offered in either flat amounts - $25,000, $50,000, or $100,000 per employee - or as multiples of employee salaries - 1, 2, or 3, times annual income. Employer sponsored Life insurance plans also generally include Accidental Death & Dismemberment (AD&D) coverage in an amount equal to the core Life benefit. This coverage offers additional benefits in the event of an accidental death or severe dismemberment.

Supplemental Insurance

Traditional health plans do not cover every medical expense, leaving employees responsible to pay out-of-pocket expenses such as deductibles, office visit copayments, and household bills. Supplemental plans include Disability, Cancer, Medical Gap, Critical Illness and Accident Insurance.