"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


Whether you are self-employed or with an employers that struggling with the cost of covering health insurance for employees' dependents, we can provide detailed comparisons of individual and family health insurance products that strive to meet your coverage requirements and price point. We also help individuals who are between jobs or who are pre-medicare and no longer employed. We help simplify the health insurance maze and find the best plans to meet your needs at each stage in your life.

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
  • Fixed co-pays for preventive care
  • HSA and HRA qualified plans
  • Tax advantages
  • 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

Disability Insurance

Disability Insurance protects you in the event you experience an accident or other debilitating condition that prevents you from working. This is especially important for self-employed individuals who are at risk of losing their income if they are unable to work.

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. Benefits are typically offered in either flat amounts - $25,000, $50,000, or $100,000. 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 that can be especially important for the self-employed.

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.