Ancillary Benefits

Ancillary benefits are a great way for employers to supplement existing insurance plans with coverage beyond health insurance. These benefits help your employees manage unexpected medical costs that may not be funded under their regular insurance, providing peace of mind for your employees and their families. The right mix of supplemental coverage options can also help you to attract and retain top talent. Explore plan options below, and contact Beckham Insurance Group today to request a quote.

Request Quote

Types of Ancillary Benefits Available

At Beckham Insurance Group, we offer a full range of ancillary benefits options. Each plan is reasonably priced and can be customized to your specific needs so that you can provide the best benefits to your employees. Here are some of the most common types of ancillary benefits employers choose to offer:

Group dental coverage is one of the most common types of ancillary benefits. With group dental, those covered are able to receive regular check-ups and treatments for certain oral conditions that are covered under the policy you choose. Often, you will find that these policies will cover a portion of preventative care charges along with the costs of x-rays, fillings, root canals, and even some oral surgeries.

Group vision coverage is another common ancillary benefit. These plans allow employees to receive basic preventative care in the form of regular eye exams and vision tests, while also partially covering the expenses incurred from the necessary purchase of eyeglasses, frames, and contact lenses. Some policies will even cover protective lens coatings or blue light filters.

Disability insurance, though less common than dental and vision insurance, is another excellent benefit option that you can offer your employees. These plans protect a worker’s income if they find themselves unable to work due to a disability. This insurance typically does not cover medical expenses relating to the disability, but it does give your employees a cushion of financial protection if they do suffer a disability that prevents them from working.

Life insurance policies are something that everyone needs. They help cover many causes of death and pay death benefits to any beneficiaries named. Life insurance policies help pay for any end-of-life expenses like funeral bills, debts, mortgages, medical expenses, or other bills held by the deceased. This allows both the employee and their beneficiaries peace of mind in an upsetting, confusing time.

Many insurance policies will cover some cancer care costs to an extent, but they can be very limited. Cancer-specific insurance covers a much wider range of care and treatments for policyholders affected by cancer.

Critical illness insurance covers a wide range of conditions that may not be covered in other policies. The conditions normally covered include heart attacks, strokes, organ or heart transplants, coronary bypass surgery, and kidney failure.

HRAs are a great way for employees to manage payments for themselves and their dependents toward any eligible medical, dental, and vision expenses. They allow employees a certain amount of control with their own policies while still sticking to the terms set by the company’s insurance policy.

Like HRAs, HSAs cover healthcare, dental, and vision for employees and their dependents. While an HRA is usually an unfunded notional account, HSAs are tax-advantaged and can be used to cover IRS-defined medical costs. They can also be contributed to by anyone—including an employer, employee, or an employee’s family member.

FSAs cover any necessary healthcare, vision, or dental expenses of an employee. Like HSAs, FSAs are pre-tax accounts that can cover a wide range of costs from simple medical coverage to co-pays and other expenses. FSAs act as a line of credit for the employee in health-related matters.

Request a Quote

Ancillary benefits can help you to provide a more competitive compensation package while ensuring your employee’s needs are cared for. At Beckham Insurance Group, our knowledgeable agents will work closely with you to assess your needs and determine the best plan options for your business and employees. Contact us today to discuss your needs and request a quote.

Request Quote

Need an Individual Health
Insurance Quote?
Click here

Blue Cross and Blue Shield

A Division of Patriot Growth Insurance Services, LLC

South Carolina Office
741 Johnnie Dodds Blvd, Suite 200
Mount Pleasant, SC 29464
Map | 843-766-3393

Georgia Office
301 Sea Island Rd, Suite 6
St. Simons Island, GA 31522
Map | 843-766-3393

Group Health Insurance in Savannah, GA

Group Health Insurance in Brunswick, GA

Check us out on LinkedIn

[email protected]

BlueCross BlueShield of South Carolina is an independent licensee of the Blue Cross and Blue Shield Association.

Beckham Insurance Group is an authorized agent for Blue Cross Blue Shield of South Carolina.

© Copyright 2021 Beckham Insurance Group | Privacy Policy Do Not Sell | Powered by: ClickGiant