Group Enrollment

Group Enrollment

Open Enrollment can be difficult, especially if you don’t have the resources required to get all the paperwork submitted, rally the employees, explain all the changes (not to mention the probable increase in payroll deductions), and get everything in on time. If you are an employer setup on a “pr...
Health Insurance

Health Insurance

Health (or Medical) Insurance can be very complex. There are copay plans, coinsurance plans, high deductible plans, HSA qualified plans (which are typically high deductible, although not all high deductible plans are HSA qualified), no deductible plans, SHOP plans, Healthy NY plans, community rat...
Vision & Dental Insurance

Vision & Dental Insurance

Along with medical insurance options, vision and dental insurance are very popular benefits, typically voluntary, for an employer to offer their employees. For most vision plans, a group plan can be implemented with only 2 enrolled, where as dental is usually 3 employees. Vision Vision insurance ...
Accident & Cancer Policies

Accident & Cancer Policies

Accident Policies Accidents happen to all kinds of people every day. In 2009, 38.9 million people—about 1 out of 8—sought medical attention for an injury.¹ What would the financial impact of an injury mean to your security? Are you prepared for medical debts in addition to everyday household...
Short & Long Term Disability

Short & Long Term Disability

Working can be risky to the health and well-being of adults. According to the Council for Disability Awareness, around one-quarter of today’s 20-year-olds have a chance of becoming disabled at some point in their career before retirement. On average, a long term disability incident lasts 34.6 mon...
Life Insurance

Life Insurance

Life insurance, as a topic of discussion, is usually shied away from or avoided altogether. It’s uncomfortable to think about “the end” and what that might mean for our spouses and children. Nobody likes to think something of the sort could happen to them, that we all will live well into our nine...
HRA/FSA Administration

HRA/FSA Administration

With the ever increasing deductibles, premiums, and out of pocket maximums that dominate this era of insurance coverage, the Internal Revenue Service has graciously allowed the use of various employer and employee sponsored programs to help employers and employees mitigate the increasing cost of ...
Insurance Carriers

Insurance Carriers

Our agents are credentialed with the following insurance carriers: Aetna Life Insurance Company Allstate Life Insurance Company of New York American Family Life Assurance Company of New York American Progressive Life and Health Insurance Company of New York Ameritas Life Insurance Corp. of New Yo...
Individuals & Families

Individuals & Families

If you need an Individual or Family plan, Integrated Benefit Solutions is certified to enroll Individuals and Families onto the NYS Health Exchange. According to the Federal Income Guidelines, you may be eligible for a subsidy to help pay for your insurance premiums. Please contact us today to fi...