21st Century Wrap Restructure, Bundle and Save. Average savings is over $1000 dollars per employee. Your renewals will also always be lower...

Our program will reduce your expected or current medical costs in conjunction with any high deductible health plan on a voluntary basis!

Supplemental Wrap Insurance Can Include: Assignment of Benefits to Providers 100% Coverage for Most Doctors Visits 100% Coverage for Minor Surgeries Wallet Savers to Negotiate Non-Network Bills Unlimited Number of Prescriptions. Same Benefits Regardless of Network Use Outpatient Diagnostic, X-Ray & Lab Free Vision Program Including Lasik Hearing Aid Program for All Clients & Their Relatives Smart Savings offers Name Band Discount using Ticketmaster, Budget, AMC Theaters, Dell, HP, Apple, PetSmart, Barnes & Noble and lots more. Extras Programs and Services: Dental Plans that Cover Pre-existing Conditions Accident Insurance for Children & Adults Critical illness up to $250,000 Life Insurance for you and your family Long Term Care Insurance Medicare Supplemental or Advantage Plans Long Term Care Insurance Tax Savings Vehicles (BizPlan, HRA, FSA, HSA) Free Music CD Referral Program Electric and Natural Gas Division Identity Theft Education Compliance. Identity Theft and Pre-Paid Legal Programs

Prior to the implementation of Healthcare reform, many employers have elected to move to high deductible, high co-pay health plans to control costs. Unfortunately, this hurts some employees that have expected or likely medical expenses that will not be covered. We offer a low cost solution for any employee looking to cover these expenses and not pay with after-tax dollars adding to your out-of-pocket costs. Healthcare reform will increase most people's expenses because all plans offered through the exchanges will have $6,000 per person and $12,000 per family of out-of-pocket costs each year. Governmental subsidies may bail out some low-income employees. However, how will you afford to pay the high premiums and fund the after-tax deductible and co-pays if you do not qualify for the subsidy?   All individuals and family members are limted on options to reduce costs for health care expenses. We restructure your individual or group insurance plans so that the majority of you expenses are paid at 100%. Paying your premiums is hard enough especially when your basic costs are being paid with after tax dollars. Let us show you how to reduce or eliminate these out of pocket costs and at the save time reduce your actual cost for care.   Learn more by registering. You will be provided with details, rates and enrollment options. Our smart savings marketplace, vision, prescription, and hearing program are offered to all that registered as a free gift for considering our concepts.     For over 28 years we have helped groups and individuals save on all types of employees benefits. Here is your oppertunity to learn how. CLICK HERE TO SEE OUTLINE OF OPTIONS & BENEFITS  Audio Overview Please complete the following for access to all the value added programs. First Name * Last Name * Company* Other ADF   Street Address City   Zip Telephone Number * Email Address * * Required Fields