Employee
Benefits
Voluntary
Plans
Individual
Health & Dental
Life
Insurance Store
Travel
Insurance
Medical
Travel
Learn More About Consumer Driven Health
Plans (CDHP):
Flexible Spending Accounts (FSA), Health Savings
Accounts (HSA), and Health Reimbursement Arrangement (HRA), along
with an HSA - HRA Comparison Chart
CDHP In-Depth
FSA
HSA
HRA
HSA
/ HRA Comparison Chart
Contact Us For A Quote Today!!
We have available to our customers, a wide range of diversified products.
From Traditional Fully Insured products with a number of High Quality insurance companies to effective Consumer Driven Health Care programs that combine a high deductible medical option with a health account product that employees can use to fund deductibles and coinsurance.
We can help our customers with Individual Life, Health and Dental Insurance.
As well as Travel Health insurance and Evacuation coverage.
Traditional Insurance Products:
We at EMEX Benefit Systems have available to our customers a wide range of traditional fully insured products with a number of high quality insurance companies.
Below is a partial list of the Insurance Companies we represent for Group and Individual Insurance.
Health Insurance
Blue Cross Blue Shield (In Several States) | Medica | HealthPartners |
Preferred One | Principal Life | Assurant |
Trustmark | United Health Care | Humana |
Dental Insurance (Paid and Voluntary)
Delta Dental | MN Chamber Services | Direct Benefits |
Mutual of Omaha | Assurant | Group Link |
Companion Life | Guardian | Ameritas |
The Standard | UNUM | Met Life |
D Care | AIG | ING |
AETNA | Humana | Jefferson Pilot |
HealthPartners | Landmark |
|
Life Insurance, Long Term Disability, and Short Term Disability for Individuals and Groups
Assurant | Hartford | Direct Benefits |
Met life | TransAmerica | Companion Life |
Guardian | AIG | Lafayette Life |
Jefferson Pilot | National Fidelity | Mutual of Omaha |
USAble (MII Life) | Sun Life | The Standard |
Humana | Canada Life | AETNA |
Trustmark | MN Chamber Services | GE |
United Life | UNUM |
|
Long Term Care Insurance
| MII/BCBS | UNUM | Met Life (Large Groups) |
| Mutual of Omaha | CNA |
Consumer Driven Health Plans:
Health coverage with advantages for your company and your employees.
Health Account products can provide substantial benefits to groups and employees, when paired with a health plan. These accounts can help offset increased employee cost-sharing and provide a vehicle to save for medical expenses.
An effective Consumer Driven Health Care program combines a high deductible medical option with a Health Account product that employees can use to fund deductibles and coinsurance. Under this model, employees assume responsibility for a portion of their health care spending and directly manage their high deductible Health Account. Employees understand not only what their benefit coverage is, but the cost implications of higher priced treatment options.
Health Accounts provide substantial benefits to groups and employees, including:
- Reducing their tax burden through pre-tax dollar funding
- Opportunity to reduce the cost of medical plan benefits while offsetting the impact of increased member deductibles, co-pays, and other out-of-pocket costs
HSA's have the added benefit of:
- Providing a mechanism to save for future health care expenses, offering clear incentives for members to shop and spend wisely.