Employee benefits, expanded
Portable life insurance, preventive and virtual care, and wellness programs that sit alongside your current plans. No employer-paid premiums. No added HR workload.
More Options.
You are not tied to one carrier or one program. We bring several strategies to the table.
Better Benefits.
Stronger protection and everyday care for employees, at no added cost to the employer.
Smarter Decisions.
Clear guidance on which options actually belong in your organization, and which do not.
A strong benefits package does not always require replacing what you already have, or spending more. We evaluate your current offering and identify additions that complement it at no added cost to your company.
What you already have
What we can add
Our goal is simple: give your employees more useful options while keeping implementation as straightforward as possible for your organization.
What we can add
Today's employees have different needs, families, financial situations, and healthcare priorities. A one-size-fits-all package may leave important gaps. We help employers expand the choices available to their people with benefits such as:
Employee-owned coverage that can stay with the individual when they change jobs, retire, or relocate.
Coverage that follows the person, not the payroll. Guaranteed issue options may be available for employees who do not qualify medically.
Additional protection employees can consider alongside employer-provided group life insurance.
Options designed to help employees think through protection for spouses, children, income, debt, and long-term family needs.
$0 co-pays and $0 deductibles for qualifying virtual urgent and primary care, plus access to more than 1,000 commonly prescribed medications.
Additional support in areas such as mental wellness, relationships, financial wellness, fitness, and nutrition.
Educational resources that help employees better understand insurance, protection strategies, and long-term financial planning.
Adding benefits should not mean adding cost or another full-time job for HR. The programs we bring are designed so the company pays nothing extra, while employees get meaningful choices.
You keep the benefits that are already working. We help you explore what can make them better.
Employer-provided coverage can be an important foundation. But an employee's financial responsibilities do not end when the workday does.
We help employees understand where their current protection stands and what additional options may be available. Rather than simply presenting another insurance product, we help employees make informed decisions about coverage that fits their individual circumstances.
Great benefits are most valuable when employees can easily access them.
Through select benefit programs, employers may be able to provide employees with additional access to everyday healthcare services without replacing their existing major medical insurance.
Programs of this kind can include virtual primary and urgent care, access to commonly prescribed medications, and wellness resources. They are described as a supplement to existing health insurance, not a replacement for it. Participation requires an existing ACA-compliant health plan; the program sits on top of it.
Benefit strategy
Some employee benefit strategies can do more than add services.
One program type available through Insurance Selections is a Self-Insured Medical Expense Reimbursement Program, or SIMERP: a preventive-care membership that sits on top of your health plan, not insurance. According to the program materials, eligible employees may see an increase in take-home pay, and participating employers may reduce payroll-tax exposure. Eligibility, plan documents, and compliance details are reviewed with the program administrator during your consultation.
Per the program materials
Per the program materials
Better access for employees. Potential savings for employers. A stronger overall benefits strategy.
Program availability, eligibility, tax treatment, savings, and benefits vary. Final terms should be confirmed through applicable plan, carrier, tax, and legal documentation. Insurance Selections does not provide tax or legal advice. Consult your own advisors. Ask about eligibility during your consultation.
Insurance Selections gives employers access to multiple benefit strategies, and the guidance to understand which ones actually belong in their organization.
We help you look at your workforce, your existing benefits, your objectives, and the gaps employees may currently be experiencing. Then we help you compare available solutions.
Because the right answer for one company may look completely different for another.
Employees are often handed pages of benefits information without really understanding what they own, what disappears when they leave their employer, or where gaps may exist.
Employers face a different challenge: offering meaningful benefits while managing budgets, compliance considerations, administration, and employee participation.
Insurance Selections sits between those two problems. We help employers understand the available options and help employees understand what those options actually mean.
Giving employees another benefit is not enough. They need to understand it. Depending on the programs selected, Insurance Selections can coordinate educational resources, workshops, enrollment support, individual consultations, and ongoing assistance so employees have an opportunity to ask questions before making decisions.
No unnecessary jargon. No one-size-fits-all recommendations. Just clearer choices and knowledgeable guidance.
The process
We start with your current benefits package, workforce, priorities, and challenges.
We identify complementary insurance, healthcare, and financial-wellness options that may add meaningful value.
We help you compare the available programs and determine which solutions fit your organization.
Employees receive clear information and an opportunity to learn about the benefits available to them.
We remain a resource for your organization and your employees as needs change.
No. Everything we help you add is designed to work alongside the coverage you already have. Your existing health plan, group life, and retirement programs stay in place.
The programs are designed to add benefits at no added cost to your company. For voluntary individual life insurance, employees who choose to participate pay premiums directly to the carrier; there are no employer-paid premiums and no payroll integration. The preventive-care program is structured so neither the employer nor the employee pays out of pocket, according to the program materials, and participating employers may reduce payroll-tax exposure.
The programs we bring are chosen to minimize administrative burden. Employee education, enrollment support, and ongoing questions are handled by the program providers, and we coordinate the process with you.
A Self-Insured Medical Expense Reimbursement Program is a preventive-care membership that sits on top of your existing health plan. It is not insurance. According to the program materials, it can increase eligible employees' take-home pay and reduce employer payroll-tax exposure while adding virtual care access. Eligibility and tax treatment vary and must be confirmed with your own tax and legal advisors.
No. Voluntary programs are optional. Employees learn about the options, ask questions, and decide for themselves.
Employers who already offer some benefits and want to strengthen them. The preventive-care program requires at least 10 full-time employees and an existing ACA-compliant health plan. The voluntary life program is available to workforces of any size.
The program materials describe it as structured to comply with IRS, ERISA, HIPAA, and ACA requirements. Compliance documentation is provided by the program administrator during the review process, not by Insurance Selections.
Voluntary life coverage is open to employees who choose it, subject to carrier underwriting, with guaranteed issue options where available. The preventive-care program applies to eligible employees who would see an increase in take-home pay; the program administrator confirms eligibility from your census.
Schedule a consultation. We review what you have today, discuss your goals, and outline the options worth considering. There is no obligation.
Next step
You may already have a good benefits package. We can help you make it better without adding cost. Whether you are an owner, a finance lead, or in HR, and whether your goal is more financial protection for employees, easier access to everyday healthcare, or a more competitive package, Insurance Selections can help you understand your options.
