Serving over 200 companies and more than 2000 families since 1988

2882 Sand Hill Rd. Ste. 119 - Menlo Park, CA 94025 - (650) 854-8963 - (800) 564-4476

Posts made in November, 2017

Protecting your assets is one of your most important considerations as a business owner. Since your employees are your greatest asset, you have carefully crafted a package of benefits to help both them and your company succeed. However, with today’s health insurance plans often subject to such high deductibles, you would be right to wonder just how protected your employees really are. Would they be able to meet that deductible, in the event of an unexpected and costly accident? Or would the gap between their insurance coverage, and what they can actually afford to pay out of pocket, create an extra burden at the worst time? Voluntary accident insurance is designed to help bridge that gap. It also complements disability insurance, which can provide a portion of lost income during time off work, but often is not sufficient to address the high medical bills that come along with a serious injury. Accident insurance will provide a cash payout in the event of certain types of injury. The payout will vary, according to two basic factors: Type of injury – such as broken bones, head injuries, burns, lacerations, eye injuries, and so on Specific treatment required during and after the event – such as ambulance rides, X-rays, surgery, hospitalization, and various types of follow-up care Voluntary accident insurance can cover your employees, as well as their family members, depending upon the type of policy selected. This could prove to be an invaluable benefit for those with children, in particular. We all know how unpredictable kids can be! You might be surprised at the affordability of a voluntary accident insurance policy. With low premiums and a solid benefits package, you can provide additional protection to your employees at a minimal cost to your bottom line. Give us a call to learn more, and we can help you decide if an accident insurance plan is right for your company and your...

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As you probably know, Open Enrollment for health insurance plans began on November 1. During this time, you are evaluating this year’s healthcare expenditures, comparing your needs to your plan’s offerings, and making a decision to either stick with your current plan or switch to a new one. Not to add another chore to your to-do list, but there is one other important detail you should address at this time. While you’re evaluating your needs and budget anyway, why not investigate dental and vision insurance options? Your eyes and teeth might be small parts of your body, but their functioning greatly impact your overall health. Problems like gum disease or infections within teeth can weaken your overall immune system, and vision problems can lead to safety issues while working and driving. Plus, many chronic diseases are first noticed by a dental or optometrist. Without dental insurance, a routine exam (including x-rays and cleaning) costs and average of 288 dollars. You could also face average prices for emergency services, such as: 50 to 150 dollars per filling 75 to 300 dollars for non-surgical extractions 328 dollars for crowns 120 dollars for simple root canals (more for complicated cases) Costs can increase significantly depending upon complicating factors As for vision care, the average cost of an eye exam is 154 dollars… But with insurance, you would only owe a co-pay (average of 15 dollars). Costs of eyeglasses or contact lenses can vary, but you will generally earn a significant discount through your vision insurance plan. Some general health insurance plans offer dental and vision coverage, but most often you will need to enroll in these plans separately. There might even be a “package” available, that rolls health, dental, and vision insurance into one plan and premium. To receive a free quote for vision and dental insurance, click here or give us a call. We will be happy to help you evaluate your needs and identify plans that could save you money on dental and vision...

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