GROUP INSURANCE EXPERTS

We offer special products for IT company employee benefits. We offer a full spectrum of high quality, competitively priced products and services that provide the flexibility to create an ideal benefits package.

Multiline package coverage can help reduce overall premium rates with The Guardian, rated A+ by A.M. Best, with an excellent nationwide PPO through Private Healthcare Systems (PHCS).

We are a special agent of The Guardian and provide the distinctive service you need for your company employees. We represent following insurance carriers - The Guardian, Great West, Aetna, Blue Cross/Blue Shield, Principal, United HealthCare, Oxford, HealthNet, Unicare, CIGNA, Humana, Starmark, Trustmark, Assurant Health, Time Insurance and John Alden insurance company.

We have insured more that 300 computer consulting companies (Small size to 1000+ employees nationwide) in the U.S. since 1980. References available upon request.

Please provide the following information to receive group insurance quotes:

1. A census of all covered employees. That census must include: name, date of birth, gender (M/F), status (single, couple or family), monthly or yearly salary (if you need disability coverage), employee state of residence and home zip code.
2. A copy of what is offered in your current benefits: medical, dental etc…
3. If you have any benefit changes, please give me that information so that proposal can be tailored to your current or future requirements.

HIGH QUALITY SERVICE AND COMPETITIVELY PRICED

• High quality coverage(s) from a first rate leader in employee benefits
• A national company with over 100 years tradition of strength and stability
• Lower premiums - Take advantage of our cross selling discounts
• Lower expenses
• Packaging permits softer renewals of all product lines
• One billing statement
• Simplified administration and claims processing
• Expertise of professional, experienced sales & support staff
• Superior case management
• Enrollment & ongoing service assistance & Employee benefits hot line

MEDICAL COVERAGE:

We offer a complete portfolio of quality products, and we're constantly pioneering the development of new dynamic products and services to respond to consumer's contemporary needs. We give you the flexibility to choose the ideal benefit package for any size group, from 2 to 20,000 employees or more.

Our insurance companies claims turnaround is one of the fastest in the business. Not only are we fastest we're consistent, fair and accurate. Claims systems administer all claims according to your plan's specific provisions.

MEDICAL PLAN DESIGN OPTIONS:

• Many Combinations of plans that have Zero, $250, $500 or $1000 Deductible and 100%, 90/10%, 80/20% Co-insurance plans.
• Family Deductible Options Available.
• Preventive Care Benefits (If your state mandates coverage - it's already included.)
• Preventive Care Benefits can be written with the Deductible waived.
• Prescription Drug Card Benefits are available with $5, $10, $15 & more…
• A variety of Dependent Age Limits are available.
• Calendar Year or Policy Year Carry-Over Deductible Options.

DENTAL COVERAGE:

• Minimum Participation: 35% or 10 enrolled employees, whichever is greater
• One of the largest nationwide PPO networks in the industry
• #1 in fully insured new business plan cases and best premiums for the past 7 years.

LIFE COVERAGE:

• Minimum Participation: 15% or 10 enrolled employees, whichever is greater ($2,500 annual premium minimum).
• 30% enrollment gets you an employee non-medical amount of : 50-99 lives $25,000, 100-249 lives $50,000
• We offer Group Universal Life (GUL) with Optional Life on groups of 50+ lives. Combined participation requirement and combined non-medical amounts.

VISION COVERAGE:

• 10 or more eligible employees when tied to our Dental or Medical. 100 or more eligible employees when tied to another carrier's voluntary Dental or medical. 500 or more eligible employees for standalone policy.
• Largest vision care network with over 22,000 provider locations nationwide
• Average in-network savings is 27% greater than average retail chain

DISABILITY COVERAGE (Short & Long Term [STD & LTD]):

• Minimum Participation: 25% participation or 10 enrolled employees, whichever is greater.
• Available to groups of 10 or more lives
• Compatible claims administration for STD and/or LTD plans written with us

FLEX/SEC-125:

• Available to groups of 50+ lives
• Premium Only or Premium, Dependent Care & Medical Reimbursement
• Can be added to new group's, on renewal of enforce group's with SPC broker, when adding another line of coverage to in force plan
• Dependent Care/Medical Reimbursement costs $4 per month per participant in flex plan.

401-K:

• 27 variable investment options from 7-world class fund families
• Flexible compensation arrangements: Deposit based and asset trailer based
• Sales, Installation, Enrollment and ongoing service of your accounts from Experienced personnel

If you are interested in a quotation with any of our insurance companies please send us a complete employee census including Name, Age, Gender, Status, State and Zip code where the employee resides. Also add salary information if you need disability coverage and we will get a quote or please give us call or e-mail:

1-800-344-9540 or E-mail at Ramesh@ciainsagency.com