Self Insured Plans

Niche Benefits has been addressing the concern of Brokers that work with large and small employer in respect to the impact benefit costs have been having on their bottom line, participation levels to meet the insurance requirements as well as retaining the preferred employee.

Almost all employers have been experiencing serious premium cost increases primarily in the health care area, i.e., whether they offer HMO/PPO Plans, Blue Cross/Blue Shield Plans, Fully Insured Plans and/or Self Insured Plans. Other benefit alternatives experiencing significant premium cost increases are Short Term Disability and Long Term Disability coverages and to a lesser extent the areas of Life Insurance and Long Term Care.

Working with the Broker, Niche Benefits creates benefit designs with participatory opportunities with the various benefits available that allows the employer to offer the most appropriate benefits for its employment force while capping the amount of money it will be responsible for paying for the year. This protects the "margin" for the company and has a level of security it needs for budgetary purposes.

Please click on sample plans to see a representative sample of plans that can be offered by employers to the identified workforce.

Please click here to have us contact you about Limited Supplemental Plans.