Lowering Premiums is Our Business

Employee Benefits Services

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.



Employee Benefits Services

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

 

Download Spooner Benefits PDF

 


Not sure if the ACA employer mandate applies to your company?

 

LET'S TALK!

 


Are your renewal increases affecting your bottom line?

 

LET'S TALK!

 

 

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.

 

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