Health Benefits
Looking to offer health insurance, ancillary and voluntary benefits to your employees?
Welcome to health benefits brought to by the Fountain Hills Chamber of Commerce in partnership with Rubicon Benefit Services. We are offering a collection of health insurance products designed to give sole proprietors, entrepreneurs, small and mid-sized employers access to high-quality, affordable health plans, ancillary and voluntary benefits for their employees. These products are fully portable. So, if the employee leaves the employer, they can take the benefits with them.
Looking for an insurance broker for your company? View this list of Fountain Hills Chamber member insurance brokers.Benefits may include:
- Health Insurance Plans (both guaranteed issue and underwritten)
- Features and benefits for sole proprietors, entrepreneurs, small to mid-sized businesses typically available only to large companies
- Access to national networks, hospitals and other providers
- Providing an employee benefit to attract and retain top workers
- Additional savings with bundling of accident, hospital indemnity, critical illness, and dental or vision
- Specialized Section 125 Plan for employers with at least 10 qualified employees
WHAT OPTIONS FIT YOUR BUSINESS?
Healthcare Plans
These are comprehensive insurance policies that offer extensive coverage for various medical services without predetermined limits. These plans typically provide access to a wide range of healthcare services, including doctor visits, hospital stays, prescription medications, preventive care, and specialty treatments, among others. These plans can be particularly advantageous for individuals with chronic health conditions or those seeking comprehensive coverage for themselves and their families.
Guaranteed Issue Health Plans
These guaranteed issue insurance policies provide extensive coverage for a wide range of medical services with no predetermined limits. They include benefits such as doctor visits, hospital stays, prescription medications, preventive care, and specialty treatments. Ideal for individuals with chronic health conditions or anyone seeking comprehensive coverage for themselves and their families, these plans ensure access to the care you need without the worry of being denied.
Hospital Indemnity Plan
Hospital plans are a specific type of health insurance designed to cover the costs associated with hospital stays and related medical treatments. These plans help policyholders manage the often high expenses of inpatient care.
Some of the benefits include:
12-month look back & 12-month exclusion period
Pregnancy covered no waiting period
Hospital admission & ICU Admission
Hospital confinement & ICU confinement
Accident Plan
The Accident plan is designed to cover out of pocket expenses (deductibles, coinsurance, etc.) as a direct result of an accident. Some of the benefits include:
No waiting period
Guaranteed Issue
Transportation & Lodging
Accidental Death & Dismemberment
Fracture, dislocation & burns
Ambulance and Transportation
Hospital in-patient and out-patient
Accident Plan
The Accident plan is designed to cover out of pocket expenses (deductibles, coinsurance, etc.) as a direct result of an accident. Some of the benefits include:
No waiting period
Guaranteed Issue
Transportation & Lodging
Accidental Death & Dismemberment
Fracture, dislocation & burns
Ambulance and Transportation
Hospital in-patient and out-patient
Critical Illness Plans
When faced with a critical illness, your primary focus should be on your well-being, not your financial situation. Critical Illness insurance offers a solution by providing additional benefits beyond what your medical plan covers. This insurance pays a fixed benefit upon diagnosis of a covered critical illness, allowing you to use the funds wherever necessary for whatever you need them for.
Term Life Policies
Term life policies with guaranteed issue or simple underwriting that provides coverage for a set period and ensures approval without a medical exam. "Guaranteed Issue" means you can't be denied coverage, while "simple Underwriting" means the application is easy, requiring only basic health questions instead of a full medical exam. This makes it more accessible for people with certain health conditions than standard term life insurance.
Enhance Employee Benefits, While Boosting Your Bottom Line...
Pre-Tax Benefits
Unlimited Primary Care Doctor / Urgent Care Visits
The plan covers 100% of the office visit charges for First Health Providers for the employee. (Employee Only)
100% Preventative Care
The plan pays 100% for services required by the Patient Protection and Affordable Care Act through First Health Providers. (Employee Only)
Unlimited Prescriptions with $0-$1 Copay
No copay or cost for 85% of the most commonly prescribed medications within the formulary (Employee plus family).
Direct Primary Care (Employee plus family)
$0 cost for unlimited access to a concierge-style, advocate-driven approach to healthcare. It’s like having a doctor available 24/7 at your beck and call.
Personal & Mental Health Care (Employee Plus Family)
Smart Technology for Better Health
Imagine giving your employees the tools they need to stay healthy, manage their healthcare, and tackle health challenges head-on. With advanced smartphone technology, they can do just that. Wouldn't it be great to offer something that truly makes a difference?
Section 125 Plan
This plan is intentionally designed not to replace or compete with your major medical plan. Instead, it serves as a complement or even a frontline of defense to your existing coverage, while also being robust enough to stand on its own.
Full-time employees enrolled in the plan will generally see a net increase in their paychecks due to their participation.
Although there is an associated cost for employers implementing the plan, they will realize a net savings by offering it.
And the Best Part
There are no contracts, no sign up fees and since the tax savings completely pay for the benefits, it is a zero net cost for either your company or your employees to participate.
Have you considered how much a specialized Section 125 plan could save your business? By allowing employee benefits to be pre-taxed, you can significantly reduce your FICA payroll taxes. Wouldn’t it be great to boost the health and well-being of your employees while also increasing their take-home pay—all at no additional cost to you?
With our specialized Section 125 plan, if you have at least 10 qualified employees, your company can save $573.60 per employee each year on FICA payroll taxes. This can translate into significant savings for your business. Plus, your employees will see an average increase of $1,500 in their take-home pay annually, all while enjoying a valuable benefit that promotes their happiness and well-being.
Want to learn more? Watch this video for more information
Have Questions?
Looking to offer health insurance or augment your benefits for your employees? Would you love to enhance your employee benefits while benefiting your bottom line? These health benefits make affordable health coverage available for small and mid-sized companies to bring down costs while offering access to the same high-quality care as large employers. Click below or reach out to your insurance broker directly for more information.