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COMPLETE BENEFITS PACKAGES

BENEFITS THAT GIVE

Peace of Mind
for Employers

Many employers need guidance with group benefits. We are in tune with the latest market trends, so you can rest assured that when you partner with us, we provide you with peace of mind that your benefit dollars are working for you.

We consult with employer groups of all sizes and have direct access to over a dozen carriers. Whether you are using benefits to recruit or retain employees we have solutions for you. We can also provide supplemental benefits to complete your benefits package.

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What We Do

  • Consult with you to determine your employee benefit needs.

  • Design a benefits package that meets your financial expectations while offering the broadest coverage desired.

  • Help you identify the most cost-effective carrier option and negotiate their rates.

  • Conduct Employee Meetings at the your location(s) designed to educate employees of benefits plan design and coverage options.

  • Implement the benefits package by managing all renewals and benefit redesigns.

TOP-NOTCH COVERAGE

Our Trusted Carriers

PROTECTION, COMMITMENT & VALUE

What Our Clients Say

Raymond E.

GROUP BENEFITS

“It is challenging enough to run a small business. We needed professionals to keep up with the trends of employee benefits. We rely on the All Your Benefits to keep us informed and competitive. We have worked with All Your Benefits or over five years now. It is one less worry.”

Suzanne S.

VOLUNTARY BENEFITS

“When we decided to offer our employees voluntary benefits we turned to ALL Your Benefits. From the proposal through the final enrollment, they handled everything. It was the smoothest enrollment of any of our employee benefits.”

Margaret T.

MEDICARE PLANS

“Months before my 65th birthday, my mailbox was over flowing with Medicare advertisements. All Your benefits simplified the process in one visit. They took the time to listen to my needs and presented a plan that fits my budget.”

Frequently Asked Questions

We never charge our clients. Whether you are just looking for advice or enrolling with us, we will never charge you.

Yes, our plans and pricing comes straight from the carrier. We do NOT add fees or surcharges to the plans we offer.

Yes, we work with all of the major health carriers in Western PA and nationally. That means we will not favor one company or another based on commission or contracting.

We recommend reviewing your health benefits annually. With the growing cost of health insurance, budgeting your health costs is an important aspect.

Call the phone number on the back of your healthcare card.

Coinsurance is the amount you pay to share the cost of covered services after your deductible has been paid. The coinsurance rate is usually a percentage. For example, if the insurance company pays 80% of the claim, you pay 20%.

The amount of money you must pay each year to cover eligible medical expenses before your insurance policy starts paying. Deductibles are usually tied to coinsurance payments.

A spouse or child that is covered by the primary insured member’s plan. Plans may include a domestic partner too.

A list of prescription medications covered by your plan.
A health care financing and delivery system that provides comprehensive health care services for enrollees in a particular geographic area. HMOs require the use of specific, in-network plan providers. No out-of-network coverage.
A health insurance network that offers greater freedom of choice than HMO plans. Members of PPOs are free to receive care from either in-network or out-of-network (non-preferred) providers, but will receive the highest level of benefits when they use providers inside the network.
A period of time an individual has available to make changes in their plan. SEPs are triggered by significant life events i.e. marriage, divorce, birth/adoption, move to a new network, new job or retirement.
An HSA is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit.

I Have More Questions

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