Medicare, Health and Benefits

Attract, retain and protect your team.

Medicare, health insurance and benefits, tailor made for you.

The cost of benefits is rising significantly, while employees consistently seek more from their benefits packages. We can design an employee benefits program that makes sense for your company and your employees.

Our experienced benefits professionals take the time to understand your business. They bring bold thinking and industry expertise to help you stay on top of regulations and economic trends and focus on your first priority—recruiting and retaining the best employees.

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Want to talk to our Medicare Health Plans Specialist?

Reach out to our team and discuss your options today.

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Montgomery Insurance & Investments (MII) + Keystone

We are proud members of Keystone Insurers Group.

Which employee benefits is right for your company?

Explore how employee benefits can help attract, retain and protect your team.

Employee Benefits
Group Health Insurance
Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance
Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability
Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage
Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

General Medicare

Medicare is an insurance program administered by the Centers for Medicare and Medicaid Services in the United States. Medicare began in 1966 and was originally administered by the Social Security Administration. Over the past half-century, the program has adapted to meet the ever-changing needs of the modern world by adding new program options, and allowing for the introduction of supplemental plans.

Medicare Advantage Plans

Medicare Advantage plans are alternatives to Original Medicare.

Medicare Part D

Medicare Part D fills in the gaps of Parts A and B to cover prescription drug costs.

Group Health Insurance

In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We'll help you navigate the healthcare process so you can hire and retain top talent.

Group Dental Insurance

Offering your employees a comprehensive dental plan adds an attractive element to your benefits package. We'll work with you to design coverage that gives your employees dental care at a reasonable cost.

Group Vision Insurance

Good eye care can help diagnose more serious health problems. We'll help you find a vision plan that works for you and your team.

Flexible Spending Account

Healthcare can get expensive. We can enhance your employee benefits package with a Flexible Spending Account that helps your employees save money on everyday healthcare expenses.

Employee Assistance Plan

An employee's emotional well-being can affect work performance, impacting the company's bottom line. We'll help you design a program that supports a happy, healthy and productive workforce.

Group Voluntary Benefits

Even if you're unable to offer healthcare benefits, you can give your employees the opportunity to secure valuable coverage at significantly lower rates than they'd pay as individuals. We'll help you give your employees more.

ACA and Short-Term Medical Plans

If you need coverage before you’re 65, ACA and short-term medical plans can help.

Dental, Vision, and Hearing Plans

Fill in the gaps from Medicare with dental, vision, and hearing plans.

Final Expense Insurance

Hey peace of mind knowing that there will be funds with final expense insurance.

Hospital Indemnity Plans

If you have limited income and resources, hospital indemnity plans can help cover healthcare costs.