Group Health Insurance

For many companies, healthier employees often means a healthier work ethic and environment. Sheridan Benefits provides clients with a variety of choices from the best insurance carriers. We know navigating today’s healthcare marketplace can be a challenge, so we will with you to determine which plans fit your needs and budget. We offer a variety of plan types including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Health Reimbursement Account (HRA), Health Savings Account (HSA), and Private Exchanges. It is our goal to help you meet the needs of your company and employees.

Group Health Captive

Sheridan Benefits offers a group health captive for employer groups who want to take advantage of all the benefits gained by self-funding their health coverage, without the volatility and risk that they might associate with this type of financial arrangement. Employers who join our captive experience the transparency, flexibility, improved cash flow and tax savings of self-funding, as they take control of their future expenses and embrace a long-term strategy focused on risk management, cost containment and employee satisfaction.

Group Dental Insurance

A dental insurance policy is a supplement to the main health insurance plan. We work directly within insurance providers to ensure you and your employees receive the coverage you need and deserve. Together, we will explore the different plans and provider networks available. This type of policy can encourage your employees to be proactive about their health and wellness, as well as enhance your compensation plan. A dental insurance plan typically covers a range of diagnostic, preventive, and corrective services.

Group Vision Insurance

Like dental insurance, vision insurance is a supplemental health insurance plan. This type of policy covers costs associated with routine eye exams, contact lenses, prescription eyeglasses, sunglasses, LASIK surgery, and more. Vision plans can be offered as voluntary benefits or as part of a group plan. We will work with you to determine which plan option fits your company’s needs and will best benefit your employees.

Group Disability Insurance

Short-Term and Long-Term Disability policies provide your employees with financial assistance in the event they are unable to work for a period of time due to illness, an accident, or injury. This type of insurance pays a percentage of an individual’s salary while they are unable to work. Our team will work with you to design a policy that keeps your employees protected.

For Short-Term Disability policies, an employee can generally receive income payments after fluoxetine a two-week waiting period. They can receive benefits until he/she recovers or maxes out the policy. This can be anywhere from one month to two years, depending on the policy.

A Long-Term Disability policy will provide income for an employee after about a 90-day waiting period, and depending on the policy, an individual can receive benefits for a few years, up to age 65, or even for life.

Group Life Insurance

Life insurance is considered to be an important part of an employee benefits package. Whether you are looking to design a new package or reassess your group life insurance policies, we will help you create a customized plan that meets your company and employee’s needs. Our benefits consultants will work with you to evaluate what type of plan fits your situation and provide you with the solutions you deserve. Our goal is to help you

make the most out of your group life insurance policy.

Group Medicare Plans

Medicare is a federal health insurance program which benefits individuals age 65 and older, certain young people with disabilities, and those with permanent kidney failure requiring dialysis or a transplant. This program comes in four differents parts: Parts A, B, C, and D. Individuals who enroll in Medicare are automatically enrolled in Part A and Part B, with Part B being optional. To eliminate the need for stand-alone prescription benefits, these plans may include a Part D rider.

For more details regarding Medicare plans, please visit our Medicare page or contact us today at (716) 580-3773.

Group Voluntary Insurance

In many cases, voluntary insurance plans serve as a complement to existing policies. We offer a number of voluntary insurance plans including dental, vision, long-term disability, short-term disability, life insurance, long-term care insurance, and supplemental health insurance. We will work with your employees to ensure they are getting the most out of their benefits packages.

Telemedicine

This type of technology promotes communication between patients and medical staff. It is convenient and confidential, and allows for the transmission of medical, imaging, health information, and data from one site to another. With telemedicine, distance barriers are eliminated and it can improve access to medical services not consistently available in distant, rural communities. This can be used to save lives in critical care and emergency situations.

Health and Wellness Programs

There are many benefits to implementing a health and wellness program within your company. It can help increase your employee’s productivity, reduce premiums, and can improve your ability to attract and retain top talent for your workforce. These programs work by promoting individuals to quit smoking, maintain gym memberships, provide on-site screening and flu shots, and provide your employees with resources related to

healthy living.

We will help you determine which incentives will work best for your company and provide the biggest benefits for you employees.