Have questions? We've compiled answers to some of the most common inquiries we receive. If you don't find what you're looking for, please don't hesitate to contact us.
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We recommend covering at least 50% of the premium. In our experience, anything less can lower morale and make benefits unaffordable for your team.
We help with benefits planning, human capital management, compliance, risk strategy, and group retirement, supporting your business end to end.
Yes. We’re compensated by insurance carriers and reinvest that into services—so your team gets full support without extra fees.
We’ve been proudly serving businesses for over 30 years.
We typically work with companies that have 10 or more enrolled employees.
Yes, we’re happy to meet with you virtually or in person—whichever is most convenient.
We’re located in Miami, Florida, and support clients across the U.S.
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Absolutely. We offer packages that include dental, vision, disability, life insurance, and more.
Yes. Your benefits package can include both dental and vision plans tailored to your team’s needs.
They’re an investment, but not offering them can cost more in turnover and lost productivity.
No. We’ll design a plan that works for your budget while still providing value to employees.
Benefits help you retain great people, reduce turnover, and show your team that you care about their well-being.
We’ll help you find a plan that balances your budget and minimizes out-of-pocket costs for your employees.
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These fees aren’t covered by insurance. They’re often added by providers and fall outside your plan.
No, workers' comp claims must be handled through your employer’s workers' compensation policy.
Yes, but only for emergency medical services.
Insurance formularies update every six months, which can change what’s covered and how much you pay.
Some procedures require prior authorization. Your doctor needs to submit medical records to justify the service.
Yes. All our plans include emergency coverage. Be sure to check your copay or deductible in advance.
All HMOs cover life-threatening or disabling emergencies, even out of network.
Usually there’s a short waiting period to confirm the new hire is staying long term.
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Retirement plans help attract and retain top talent while supporting your team’s financial wellness.
Matching contributions can be a strong incentive for employee participation and retention.
Yes. We provide 403(b) plans for public schools and eligible 501(c)(3) organizations.
Yes, we offer a full suite of group retirement planning options including 401(k) and 403(b) plans.
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HCM is the process of managing your employees throughout their entire journey at your company. From hiring and onboarding to payroll, compliance, and offboarding, it combines strategy, software, and support to help your people thrive and your business run smoothly.
HCM covers recruiting, onboarding, payroll, taxes, time tracking, and more.
We pair your business with the right tech and processes to improve operations and help you grow.
If you don't see your question answered here, our team is ready to assist. Please contact us for personalized support.
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