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 Group Benefit Plans 
The choices for group health insurance have never been more expensive, intricate or confusing. With more and more changes and new governmental requirements each day, your employee benefits package can offer the options you want to provide at a reasonable cost. Quite often, an employer will offer his employees one choice of health care. Most choose a PPO because it gives the greatest choice of doctors. Most employees, however, prefer HMO programs. Though HMOs offer fewer doctor choices, many people prefer them as there is no expensive deductible to meet each year. It is possible to satisfy both these needs and potentially use the savings to provide a wider range of benefits including inexpensive dental coverage, life and disability income insurance.

After Group Health insurance, Dental insurance usually ranks as the second most popular employee insurance benefit. Whether paid by the employer, the employee, or a combination, Dental coverage is usually an affordable option to increase the value of your benefits package. Plans offered through Steven Zodikoff Insurance Services include these options in plan design:

    * Deductibles and limits
    * Level of preventative care
    * Orthodontic coverage
    * Waiting periods
    * A plan customized for the unique needs of your firm and its employees


More and more companies are offering Vision plans as part of their employee benefits program. Vision plans can range from simple and inexpensive discount programs to more comprehensive reimbursement plans.
Whether paid by the employer, the employee, or a combination, a group vision plan will be appreciated by your employees. Often times Vision coverage is considered a voluntary product - something your employees would find of value and pay for themselves if given a better price and product because of group rates.
Group Census Information
If you're interested in having Steven Zodikoff Insurance Services provide your company with a market survey of all employer group benefit options, please download, complete and return the employee census file.