Professional Association Health Insurance & Employee Benefit Programs

Deacon & Deacon Insurance Agency is proud to offer professional association member benefits including group health insurance, dental and vision, and enhanced voluntary benefit offerings.  We have identified an insurance program that offers the following:

  • Premiums below the cost of traditional health insurance providers in West Virginia
  • Level-Funded plan designs (provides you the ability to receive a portion of your health benefit dollars back if your claims are below targeted claim levels)
  • Flexibility for Association  – Build a true association plan, or simply offer to employer-members of association
  • Physician Co-Pays and Tiered Rx card
  • Integrated, personalized wellness program at no additional cost
  • $500 annual wellness incentive available to all participants
  • All outpatient lab services are covered up to 100% through plan’s preferred lab services organization.
  • All diabetic testing supplies are covered at 100% for members who voluntarily enroll with our diabetic supply partner
  • National and regional provider networks including Aetna First Health, 4 MOST/Stratose, and PHCS
  • Dental, Vision, Life, Disability & Worksite Benefit options

This group health benefits solution is built on an ERISA fully funded platform and designed from an insurance perspective that differs from traditional self-funded plans. The plan is ‘fully funded’ meaning that by design, any risk to the sponsoring employer has been removed beyond the 12 months of premium paid. By blending a specific and aggregate custom stop loss insurance coverage, participating employers are able to gain the flexibility they desire without taking on the risk associated with traditional self-funding. Innovative and responsive, the fully funded platform design is changing benefits for many a partnering employer.

We know how difficult it is to find a plan that meets everyone’s needs.  This offering provides you with the opportunity to choose from 16 different standard plan designs, grouped into 4 product families based upon benefit design.

If you would like to discuss in more detail, please contact us for more information

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