A co-pay is for things like an urgent care sick visit (most of our plans it is $30 out of your pocket) is all you pay for admission. A deductible is the amount you will need to pay on your own, once you meet that number the co-insurance kicks in meaning that on a 80/20 [...]

Not even close! We use our outstanding relationships with hundreds companies to find the best plan options for you, which include deductible/gap plans, catastrophic cash fund, mortgage insurance, dental, vision, critical illness, legal, auto, home, even pet insurance.

Yes! All group major medical plans are fully ACA compliant. As of 2019 the individual mandate of requiring a 1095 is currently not being enforced, however the individual and year round open enrollment Super Preferred Medical <https://affordacareinsurance.com/medical-coverage> plans have the option of adding a rider to meet the Affordable Care Act requirements for MEC or [...]

Traditional medical plans are required to accept anyone no matter what health they are in. Think how expensive your car insurance would be if you could crash your car and then get insurance the next day and it was paid for completely? Instead we reward people who are healthy at the time they enroll. Less [...]

Suncoast Advisors Group is a privately owned company, with headquarters in Pinellas Park, FL. The Suncoast Benefit team brings with them over 100 years of combined experience in operational management of insurance sales, marketing, employee benefits, and individual or group health insurance. Suncoast Advisors Group, by partnering with high quality strategic partners, provides proven industry [...]

For almost 50 years, employers have utilized health and wellness insurance programs through Section 125/Cafeteria plans to reduce payroll taxes and can now free up hundreds of dollars for employees. This program combines those principles with the latest developments in wellness tax benefits to give savings back to companies and increase benefits to their employees. [...]

“Participatory” Wellness Programs are programs that either do not provide a reward to employees or do not include any conditions for obtaining a reward that are based on an individual satisfying a standard that is related to a health. In addition, participatory wellness programs must be made available to everyone in the company that have [...]

It is estimated that over 90% of today’s employers have not been informed of these tax breaks as it has only been implemented by a select few companies with the task of educating the business owners at large.

There are 2 types of Wellness plans available:  Our current Participatory “Compliant” Wellness Program does include services that qualify as “medical” care and is considered a “health plan.” The Essential program is the perfect fit for business owners looking to provide a benefits plan for their employees while satisfying penalties imposed on them and their [...]

The Single Pre-Tax Wellness Contribution is $700 per month, per qualified employee and the Married Pre-Tax Wellness Contribution is $1,100 per month, per qualified employee.  These amounts are deducted through a Section 125 pre tax and then put back into the employee’s pay post tax keeping the employee’s pay the same.