Employee Benefits

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Through our relationships with all the major carriers, we have access to 200+ plan designs. Which means we are able to custom design an employee benefits package that fits your employee group, whether you have one employee or several hundred. 

We specialize in providing health insurance for the self employed and small business owners. Our options bring cost savings, employee satisfaction, piece of mind and financial security!

Employee benefits are an important part of your companies culture. A well rounded benefits plan not only attracts & retains good employees, a comprehensive benefits package with health insurance, dental, vision and supplemental plans will help define your culture providing for a rewarding and energetic workplace with high moral and productivity. 

Firmin Insurance and Benefits is proud to offer Group Dental, Vision, Life and Short and Long Term Disability programs.

Voluntary Benefit policies are different than major medical – they are focused on you, not the doctors or hospital.. Voluntary Benefits Pay YOU cash when you or a family member has an injury or illness. Benefits help fill the gap between what health insurance pays and where your out-of-pocket expenses begin.

Plan options include: Life Insurance, Disability, Accident Indemnity Plans, Critical Illness and Cancer plans, Hospital Indemnity Plans, and Telemedicine. 

There truly is no cost to your organization to offer voluntary benefits. Benefits are employee paid through payroll deduction. And all administration of the plan and benefits is handled by Firmin Insurance & Benefits.!  

• Enhance Existing Package: Voluntary Benefits are a great way to augment your existing medical and dental coverage. 
• · No Cost to Employer: Voluntary Benefits are 100% employee funded through payroll deduction
• · No Administration: As your voluntary benefits consultant – Firmin Insurance & Benefits conducts all employee education, enrollment and ongoing claims assistance!
• Increased Morale & Productivity: 40% of employees say they spend 3 or more hours per week thinking about or dealing with issues related to personal finances. Since voluntary benefits put money directly into your employees’ pocket when they need it most – Employees can focus on your business and your clients when they are working- not their bills.
• · Attract & Retain Talent: 87% of employees say strong benefits influence employee loyalty

As an independent consultant, we work with several carriers that offer group health insurance & voluntary benefits. This allows us to be a true employee benefits advisor to you and your employees. We will work with you to find the carrier and coverage levels that match your business and needs. 

Firmin Insurance & Benefits conducts employee benefit education, the open enrollment process, and ongoing client service and claims assistance. 

With Telemedicine, you can visit with a doctor 24/7 from your home, office, or on the go! Board Certified doctors are available by phone or secure video to assist with non-emergency medical conditions.

Telemedicine is a convenient and cost effective alternative for non-emergency medical issues during the nights, weekends, holidays or other times when your primary care physician is not available.

For non-emergency medical issues a doctor can often times prescribe a prescription during a consultation right from the convenience of your home- alleviating unnecessary visits to the doctor and the dreaded "sick" waiting area!