Employee
Benefits

Employees have access to health benefits including provisions for Major Medical Health Insurance, Group Supplemental Products, Dental, Vision, Life, Short and Long-term Disability, and 401k.

Benefits Built For Your Business

Businesses partnering with Applied Business Solutions have access to employee benefits normally offered only by larger companies, allowing them to attract quality employees on a level playing field and save money on their benefit packages with our competitive pricing. Clients may choose from multiple ACA compliant plans based on specific needs and receive online access to health information, claims and other resources.

Our Employee Benefits Packages include coverages for:

  • Major Medical Health Insurance (PPO, HMO, HSA)
  • Dental Insurance
  • Vision Insurance
  • Accident Coverage
  • Hospital Indemnity
  • Short Term & Long Term Disability
  • Life Insurance
  • Legal Plans
  • NestEggs 401k Retirement Plans

“Up to 20% more employees recommend their employer based on the availability and value of offered benefits!”

  • Benefits Offered 66% 66%
  • No Benefits Offered 46% 46%
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Already have benefits and want to keep them?  Not a problem!  We can still help manage your deductions and contributions for your existing plans… Ask us how.

Major Medical Health Insurance (PPO, HMO, HSA)

Medical coverage is a valuable benefit that helps cover the cost of care when your employees become sick or injured. It will also encourage them to maintain good health by providing and covering preventative care. When offering Major Medical Health Insurance coverage, it’s important to consider:

  • Which plans best fit your employees healthcare criteria
  • Offering extensive networks of participating hospitals & specialists
  • How offered healthcare coverage compares with similar market plans
Employer of Choice

Our Master Medical Plans

A health insurance Master Plan allows our organization to combine all of the employees we serve under one large insurance umbrella. The employees continue to be individually underwritten or covered by their own company’s plan, but they are pooled with several other HCM-represented companies for underwriting purposes.

Why Health Insurance Master Plans Matter

Simply stated, a master plan saves employers and employees money because they become part of a larger pool of people. The insurance plan is less expensive to administer, resulting in lower premiums. At Applied Business Solutions we utilize a Florida Blue Cross/Blue Shield health insurance plan, which allows us to enroll people in our HCM immediately, and they experience lower costs on health benefits from day one. Our clients’ savings can be significant, often partially or fully offsetting the cost of their human resources, payroll and tax compliant HCM services.

How Master Health Plans Benefit Employers

All Companies Can Offer Benefits

Cost is the primary barrier to providing this coverage to employees, but with a master plan, a 10 person company can now look like a 200 person company by the underwriters, and the price drops to an affordable level.

Retain Key Employees

Providing healthcare insurance to existing employees improves loyalty. They are less likely to seek opportunities with companies that offer this benefit, thereby retaining staff and lowering the cost of onboarding new employees.

Attract Higher Quality Employees

By adding healthcare coverage, companies can attract employees with more experience and skills than they could before. Our clients can better compete for the talent they need because the benefits playing field is leveled.

Make Healthcare Insurance Affordable

By offering a Master Health Plan, both the employer and their employees will save money. This difference means more money in the paychecks of the employers and staff and improved cash flow for the business.

A Health Insurance Master Plan can change your entire benefits landscape, save you money, and be a critical piece in retaining and attracting the right employees. Contact us today to learn more about our HCM services and how much money you could save with a Master Plan.

Dental & Vision Coverage

Applied Business Solutions offers multiple Dental & Vision plans providing various coverage levels with no required waiting periods. These plans are administered through MetLife, Aflac and Principal Insurance providers.

Dental coverage options provide Type A, B & C services as well as optional Orthodontia services depending on the selected plan. Vision offers optical benefits such as allowances toward frames or a prescription contact lens. Note that Employer participation or contribution is not required to offer dental or vision coverage.

Other Products

Group Supplemental Products

Includes coverages for Group Life Insurance, Accident Coverage, Short and Long Term Disability, Critical Illness and Hospital Indemnity. Active care policies include heart attack, stroke, cancer with chemotherapy upgrade. True cancer policies include cancer diagnosis lump sum, facilities, surgical and treatment benefits with the option to add cash value, hospital ICU, cancer and death benefit.

Corporate Wellness Programs

Applied also encourages employers to engage their employees in preventative health care programs. These programs are designed to reduce employee health care claims and impact on attendance by offering gym partnerships and discounts as well as wellness and rewards programs. This can encourage employees to actively monitor their wellness using digital tools and incentives.

MetLife Legal Family Plan

By offering MetLife Legal Plans, employers can provide their employees with convenient access to legal services while enhancing the value of their benefits package. A legal plan can be added for minimal cost, and has high levels of enrollment and usage. MetLife Legal offers a Nationwide Network of Attorney’s who provide an extensive variety of legal services for the entire family, for one low monthly premium.

Benefit Enrollment

Enrolling in benefits using paper forms can be cumbersome and confusing for employees. Simplify the process with secure, electronic enrollment. Your employees can sign up for benefits easily from any device and make better, more informed choices. And with an online view of enrollment status across your workforce, you can ensure that selections are properly completed.

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401k – A Customizable Approach 

Applied has partnered with NestEggs Retirement Plan Services to deliver our Multiple Employer Plan 401(k) Solution.