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Group Dental Health Life:

Horizon Coast Insurance and Financial Services, LLC has the range of benefit solutions and the expertise you need to solve today's insurance challenges in providing group benefits. We represent employer groups from 2 to 5,000 employees for a wide range of group insurance products. We can function as either your broker or consultant. Whether your need is for Health, Dental, Life, Disability or Long-Term Care Insurance, with Horizon Coast Insurance and Financial Services, LLC you can choose from an unsurpassed portfolio of benefit solutions. We take a consultative approach by analyzing company demographics in order to help provide the best solutions that fit your needs. We represent YOUR interests and search the marketplace for the most appropriate coverage at the best price for your needs. And, you'll also discover how our capabilities can make managing benefits easier.

A partial list of the coverage we offer to our clients is as follows:
  • Group Health: If you've ever been sick or injured, you've probably recognized the importance of Health insurance. Health insurance helps to ensure that you and your family are protected against the financial hardships that may result from health care expenses. Health insurance provides the foundation for many employee benefit programs. Medical insurance plans can help provide employees and their families with the right amount of financial protection when sickness or injury requires medical care, emergency treatment or hospitalization. Most small businesses offering their employees Group Health insurance plans contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for single coverage) and have the employees pay the premium if they need coverage for their families. Other small businesses pay a percentage of the total health insurance premium cost. As the cost of health care continues to increase at a rate much faster than inflation, many large employers and small businesses choose to have their employees make a contribution towards the cost of health insurance coverage. The health insurance plan that works best for your business is determined primarily by your location, the physicians and hospitals available through the health insurance plan, options offered by each insurance plan, and what your budget can accept. Employee benefits are an important factor to any business in hiring and retaining a good work force. We can provide assistance to your benefit administrator in answering employee's questions and requests pertaining to health insurance for groups. Every business needs to review periodically their employee benefit health insurance plan to ensure that this major expense continues to offer the highest quality group health insurance.
  • Group Dental: Dental care is a part of healthy living, and for this reason a dental benefit plan is a highly appreciated employee benefit. Yet, many employers do not offer a dental benefit plan as part of their overall benefits programs. This can add a financial burden for employees. Fortunately, we have the knowledge and innovation to offer a range of affordable dental benefit plans to fit the needs of nearly all employers.
  • Group Life: Life insurance helps surviving family members through the financial transition that follows the untimely death of a loved one. Employees appreciate the convenience of adding life insurance at work, along with the affordable group rates and ease of issue that comes with group policies. Given the opportunity, employees often desire additional coverage through voluntary insurance options. Group life insurance products are designed to supplement existing benefits programs by providing employees with an additional means of helping to provide financial protection to their families. They are easy to administer, so administrative workloads are reduced and costs minimized.
  • Group Accidental Death and Dismemberment: Accidental Death and Dismemberment (AD&D) insurance provides around-the-clock coverage for your employees in the event of accidental death, severe injuries, or paralysis resulting from accidents on or off the job. Basic AD&D coverage is generally employer-paid, and typically provides an accidental death benefit equal to an employee's basic term life insurance amount. Basic AD&D also provides specified percentages of an employee's accidental death benefit amount for qualifying injuries. We offer a variety of AD&D coverage to help round out employee benefit packages, and several innovative features add even greater value to our products, showing concern for employees' financial security while maintaining operating costs.
  • Group Short Term and Long Term Disability: Disability income insurance provides benefits to employees who are unable to work due to disability resulting from sickness or injury. Our disability insurance is designed to encourage employees to return to work. Our focus is on each employee's abilities. Our Long and Short Term Disability policies are based on a philosophy that focuses on employees' abilities and concentrates on early intervention and rehabilitation programs which motivate employees to return to work sooner, while accommodating their individual needs. .
  • Group Long Term Care: Long-term care is the personal care and other related services provided when people are unable to provide for themselves as the result of a disability or prolonged illness. It provides coverage under specified conditions, for skilled nursing, intermediate care, or custodial care for a patient in a nursing facility or his or her residence following an injury. Implementing a long-term care insurance program can be an important part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. For your employees, it can make a big difference in their quality of life and financial security.
  • 401k Retirement and Profit Sharing Plans: Employee benefits are an important factor to any business in hiring and retaining a good work force. Retirement plans allow investing in the future now for financial security when you and your employees retire. A retirement plan has lots of benefits - for you, your business and your employees. You and your employees get significant tax advantages and other incentives. Every business needs to review periodically their employee retirement and profit sharing benefit plans to ensure that this major expense continues to offer the highest quality benefits for your employees. We can offer a variety of retirement plan that can help your employees plan, save, and live a better life in retirement. The retirement plan solutions are designed to be flexible, so they can accommodate the needs of all your employees, whatever their situation.

If you are an Employer interested in obtaining further information about developing a Group Insurance or Retirement Plan for your company please contact us for costs and details. Please ensure you complete the quotation form below as accurately as possible. If you would rather

speak to one of our representatives, Please Call (732) 521-3040 or e-mail: info@horizoncoast.com to setup a confidential consultation.
Completion of this form is for informational purposes only, and is just an estimate and is not a statement of contract. Coverage may not apply in all states. This WILL NOT result in a new policy, or change to an existing policy. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements
   General Information:
Legal Name of Business:
Contact Name:
Address:
City:
  State:   Zip:
Business Phone :
       Fax:
Best Time To Call:
AM    PM
Contact Email Address:
   Type of Business
Type of Business:
Standard Industry Code (if known):
#of Full Time Employees:
#of Part Time Employees:
Give a complete description of any
type of hazardous/dangerous duties
performed by your employees:
Current Group Health Insurance Information
Carrier (Company) Name (not agency):
Please give a brief description of your current Group Health plan:
   Benefits Desired
Major Medical Deductible:
Optional Pregnancy Coverage:

yes 
no

Dental Coverage:
yes
no
Supplemental Accident Coverage:
yes
no
Disability Insurance:
yes
no
PCS Card:
(Prescription Discount Option)
yes
no
Group Life Insurance:
Amount:
yes
no
PPO Option:
yes
no
Amount: $

HMO Option:
yes
no
Employee Information
Please list all employees you wish to cover
Employee Name Date of Birth Age Sex Dependent Status
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
 
If you were not able to list all employees you wish to cover in the spaces above, please use the Additional Comments section below or indicate that you will fax or email an additional listing.
Please give any additional comments you feel appropriate for this quotation
 
 
 
     
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