services
Employee Benefits
We pride ourselves on our extensive level of personal service to each and every one of our employer groups and their employees.
insuring both small and large groups
Welcome to the Employee Benefits Division
- Health insurance
- Group term and voluntary life insurance
- Disability coverage, both short-term and long-term
- Vision
- Dental, DMO, PPO or combinations of both
- 401(k) retirement plans
- HSA compatible plans
- Long-term care insurance
- Group Supplemental Insurance (cancer, accident, critical illness, etc.)
If you want to lower your costs, improve your benefits, and be fully serviced with your insurance coverage, you will not be disappointed for choosing us. We offer services such as:
- Enrollment processing
- Termination processing
- Cobra instructions
- Claim problem resolution
- Emergency issues
- Administration from behind the scenes
Health Insurance Options
Why choose Richard S. Bernstein & Associates?
With so many options from which to choose, deciding on the life insurance policy that’s best for your needs can be a challenge. Our licensed professionals will provide you with a comprehensive needs analysis analyzing your needs, budget, and risk tolerance to determine the type of policy that’s right for you. Being in the insurance business since 1964, Richard S. Bernstein personally works to obtain the best underwriting offers for you with the best insurance carriers and will provide you with an array of options to meet your needs.
If you would like for one of our experienced life insurance advisors to examine your individual needs, offer our expert advice, and give you a quote, please fill out the box above to contact us today.
HSA Qualified High Deductible Health Plans (HDHP)
A PPO health plan with deductibles meets the I.R.S. requirements for use of a Health Saving Account. These plans allow subscribers to use any network doctor available anywhere in the country with out-of-network benefits. A health savings account allows employees to choose a high deductible health insurance policy and fund that deductible in a tax-free savings account. They can fund up to 100% of the deductible each year. Any unused monies will roll over. This combination can save employers and employees hundreds of dollars per year in premiums and taxes.
HMO Health Insurance
This plan requires a referral from a primary care doctor in order to see a specialist. Although HMOs do not offer out of network benefits, they normally have the lowest cost.
Open Access HMO Insurance
Open Access HMO is similar to an HMO, however, no referral is required for specialist care. Subscribers can use any network doctor for a low co-payment.
POS Health Insurance
A Point of Service plan is just like an open access HMO, except it will include out of network benefits which are paid at higher co-pay.
PPO Health Insurance
A PPO health plan allows subscribers to use any network doctor available anywhere in the country. This plan also includes out of network benefits.
PPOs are the least restrictive form of health insurance.
