Employee benefits are a necessary and costly part of running a business.
Spooner’s employee benefit services provide solutions and savings.
The Affordable Care Act (ACA) has forever changed how individuals and employers purchase health insurance. Spooner has come up with a number of exciting health insurance options that drive down premium costs and some allow employers to participate in underwriting profits.
Captive Health Insurance
- Lower Premium than Affordable Care Act Plans
- Transparency of Actual Plan Costs
- Flexibility in Plan Design
- Client Participation in Underwriting Profits
Minimum Essential Coverage (MEC) and Minimum Value Plan (MVP)
- Avoid Penalties
- Employee coverage for less than penalty costs
ACA Plans with Integrated "Gap" Coverage
- ACA Plans with Integrated "Gap" Coverage
- Gap Coverage Minimizes Out-Of-Pocket Costs for Employees
- Employers Save on High Deductible Plan Design
- Affordable Balance of Costs for Employers and Employees
Custom Plan Designs
- Prescription Drug Plans
- HRA and HSA Programs
Voluntary and Supplemental Benefits
Voluntary benefit plans enrich an employee benefits package. In most situations, the benefits cost employers nothing but can save them on payroll taxes. Some of the voluntary and supplemental benefits include:
- Short-Term Disability
- Long-Term Disability
- Dental / Vision
- Accident
- Cancer / Critical Illness
- Individual Insurance
- Group Life Insurance
Contact Us
Find out how you can start saving with an Employee Benefits Services plan with Spooner by filling out the form below or call (440) 249-5698.
