 Employee Benefits – Protecting Your People
Protect the busy hands that do the work of your mission.
Care for your employees and their families with creative health and medical benefit solutions, designed to meet their needs.
The Cutler Group understands the value of people who are called to making your ministry work. Our agency provides insurance exclusively for religious organizations, churches, temples, synagogues, mosques, camps, and conference centers. With 40 years in the industry, we have the focus and background needed to provide customized benefits for the unique needs of your ministry. Each year our clients can expect a thorough review of their insurance programs. This assures most current coverage’s available and competitive pricing overall. We have a commitment to customer service and providing your benefits needs while you provide the gift of health and wellness to your staff.
In addition, we provide medical coverage for travelers and foreign mission insurance, including medical assistance protection, dispatch of a doctor or specialist, emergency medical evacuation from foreign countries, and medically necessary repatriation.
Read disclaimer regarding underwriting
Protect your employees with—
Group & Individual Health Insurance Benefits with coverage provided by all major health insurance carriers, including:
- Aetna
- Anthem Blue Cross
- Anthem Blue Cross BeneFits
- Blue Shield
- California Choice
- Cigna
- Health Net
- Health Net HnOptions
- Kaiser Permanente
- Kaiser Permanente Choice Solution
- PacifiCare
- Sharp
- United Healthcare
HMO, EOA, HSA – Health Savings Account
PPO, POS (Point-of-Service) plans for small groups (2-50) and for large groups (51+), covering your employees in mulitiple county locations and states, including Arizona and Mexico with dual options, employee elect options, and core plans buy-ups. Set contribution is affordable, allowing employees to buy-up. All plan products are subject to carrier underwriting guidelines, from major medical to catastrophic hospital-only coverage.
Click Here for Individual Health Insurance
Click Here for Individual Health Insurance - Child Only
Click Here for Group Health Insurance
Click Here for Individual Health Insurance - Temporary
Click Here for Applications
Click Here for Providers
Click Here for Foreign Medical Insurance Protection
SHORT TERM TRIPS Your ministry doesn't stop at the border, and neither should your insurance protection.
Click here for an application and submit it to our office.
Whether you're sponsoring a short-term mission project to Africa, or sending students to work for a weekend in Mexico, you need insurance that provides protection that's with you every step of the way.
We can provide medical assistance protection that offers:
- Short-term trips or extended operations and international medical coverage
- Medical, accidental, and sickness coverage
- Emergency medical evacuation
- Medically necessary repatriation
- Medical family travel
- Dispatch of a doctor or specialist
- Pre-trip medical referral information and/or embassy and consular information
- Optional flight accident plan
- Trip delay or cancellation
- Lost baggage delay
- Travel assistance with multilingual personal, including physicians and nurses.
- Return of mortal remains
LONG TERM TRIPS
Our Passport to Ministry can insure a US citizen traveling outside the USA, or a non-US citizen traveling to the USA instructions for a non-US citizen visiting the USA.
- Trips between 5 days to 3 years
- Continuous renewal available as little as 5 days at a time
- Immediate coverage available
- Print ID Card immediately
- Underwritten by US insurance company rated A- "Excellent"
Please note:
- Each traveler will need to apply individually, using the link
(families may apply together- spouses/children under 18)
- For the very first question, make sure to choose "travel including the USA"
- When it ask for "agent number", enter 9144 for The Cutler Group
To get a quote, view a summary, and apply on-line, simply click this link:
https://www.sevencorners.com/insurance/liaisoninternational/HWR5CKP
Medical insurance for people traveling outside their home country.
Click Here for Consumer Driven Group Health Plans
Health insurance plans that allow members to use personal Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), or similar medical payment products to pay routine health care expenses directly; while a high-deductible health insurance policy protects them from catastrophic medical expenses.
Health Savings Accounts (HSAs) are tax-exempt accounts where funds grow to pay for medical expenses. They were created to help give control back to consumers and lower healthcare costs. HSAs provide a financial incentive for consumers to select a High Deductible Health Plan (HDHP). HDHPs have lower monthly premiums than traditional plans. The HSA/HDHP combination provides consumers with more incentive to shop carefully for healthcare services.
Click Here for Group Health Insurance
Click Here for Individual Health Insurance
What are the tax advantages of an HSA?
- Individual and employee HSA contributions are tax-deductible, up to the IRS maximum
- Employer contributions are exempt from federal employment taxes
- Interest earned on HSA funds is tax-advantaged
- Contributions 100% tax-deductible
- Withdrawals for qualified medical expenses are tax-free
- Funds roll over year-to-year
- Owned by the individual
- Portable
- Potential exists to build significant, nest-egg
- Balances can be allocated to a beneficiary
Treasury’s web site has additional information about Health Savings Accounts, including answers to frequently asked questions, related IRS forms and publications, technical guidance, and links to other helpful web sites.
Treasury’s HSA website can be found through www.treas.gov (click on “Health Savings Accounts”) or directly at the following address: http://www.treas.gov/offices/public-affairs/hsa/.
For more detailed information, please refer to IRS Publication 502 titled, “Medical and Dental Expenses,” Catalog Number 15002Q. Publications can be ordered directly from the IRS by calling 1-800-TAX FORM. If tax advice is required, you should seek the services of a professional.
For a Individual Health Insurance Plan Quote please click on this link
For a Group Health Insurance Plan Quote please click on this link
Click Here for Dental and Vision
Employees working for both small and larger non-profit organizations often find it is especially difficult to pay for regular dental and vision care, and yet this is so important to their total health and happiness. Dental/Vision Insurance coverage helps to make your organization competitive, when you are trying to attract and hire the right people for the job.
Individual Family Coverage is often a need when an employer does not offer dental coverage. Low, affordable rates and annual enrollments with discounts are available, as are PPO, Dental HMO and Indementity coverages.
Small Group Dental Plans
- Aetna Dental
- Anthem Blue Cross BeneFits Dental
- Anthem Blue Cross Dental
- Blue Shield Dental
- Cigna Dental
- Delta Dental
- DeltaCare
- First Dental Health
- Golden West
- Health Net
- Kaiser Permanente Dental
- PacifiCare Dental
- SafeGuard Dental
- UnitedHealthcare Dental
Small Group Vision Plans
- Anthem BC Life & Health Insurance Company
- Blue Shield Vision
- Health Net Vision
- SafeGuard Vision
- Sharp Vision
- UnitedHealthcare Vision
- Vision Plan of America
- Vision Service Plan
For a Dental or Vision Quote please click this link
Click Here for Group and Individual Life Insurance Coverage
Life insurance provides a benefit for the needs of the survivors, funeral cost, and other expenses. Term, whole life, Accidental Death and Dismemberment, and keyman insurance options are available.
Voluntary Benefits
With the average cost of employer paid health products on the raise voluntary programs are designed to give you access to plans your employer group does not offer. Voluntary benefits offer programs to help you manage the risk in your personal and professional life. We provide voluntary benefits to protect your future and the future of your family, including:
- Supplemental benefits
- Accident
- Cancer and critical illness
- Disability
- Life
- Hospital confinement indemnity
Wellness Programs
Chiropractic and acupuncture benefit programs are offered, as well as many other programs, such as:
- Naturopathy Dietetics
- Fitness Clubs
- Personal Trainers
- Massage Therapy
- Vitamins and Minerals
- Tobacco Cessation
- Weight Management programs
- 403(b) Retirement Plans
Cutler Church Advantage Retirement Program delivers premier retirement programs and services that have earned industry recognition. Morning Star’s professional money managers help direct the portfolio of your investments. Your total retirement program solution is provided by The Hartford. Everything is available at competitive pricing with exceptional resources and services. For more information call or email to Benefits@cutlersinsurance.com
- Click Here for Short and Long-term Disability - For when the unthinkable happens.
Short-term and long-term disability coverage provides wage replacement to individuals who experience wage loss due to a disability. Disability coverage can be obtained either by a group or individually. Coverage is based upon medical underwriting.
- COBRA & HIPPA Administration – Don’t be caught out of compliance, in this complex and specialized area of employment regulations.
When your employee loses employer-sponsored health coverage for most reasons there are laws that allow you to continue that coverage for up to 36 months. Cobra Administrative Services take over the current Cobra continuants, and handles general notices for new enrollees, qualify event administration, notifications, and provides billing assistance. For a quote please complete this form
Please complete the form and return to our office by mail,fax or email to Benefits@cutlersinsurance.com
- Section 125 Plans – Unreimbursed Medical and Dependent Care
Section 125 of the Internal Revenue Code makes it possible for employers to offer their employees a choice between cash and a variety of nontaxable benefits without the application of the constructive receipt rules, with respect to income recognition by the employees. For a quote please complete this form
Medical Supplemental Plans (Medigap)
A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover.
Medicare Carriers include:
• Anthem Blue Cross of California
• Blue Shield
• BlueCross BlueShield
Click Here for Individual Health Insurance
Additional unique services for your employees provided by The Cutler Group include:
- Click Here for Healthy Families* Certified Assistant -- Certified Application Assistants are able to help applicants fill out the joint Medi-Cal and Healthy Families Applications. *Healthy Families is low-cost insurance for children and teens. It provides health, dental and vision coverage to children who do not have insurance and do not qualify for free Medi-Cal
Complete health, vision and dental coverage for qualifying children, from $4 to $45 per month for qualifying children. For Program Rates Click Here
Click here for Healthy Families Application.
For more information to verify if you qualify, contact our office for application assistance or click here.
- Spanish language bilingual staff and bilingual enrollment meetings
- Benefits Management -- Handling all the daily processing and questions for your employees.
Assistance is available for daily challenges, specific to providing your healthcare member satisfaction. Among these challenges are such issues as claims, billing, group invoice reconciliation and service issues, managing and tracking eligibility and enrollment information. While keeping patient privacy and management of benefits, our customer service team interacts with the carriers and providers to manage your needs and understanding of your policy. We go a long way toward delivering an excellent experience.
- Enrollment meeting and health fair support
We enroll new members by using a variety of methods, including:
- Traveling field staff who provide one-to-one communications for paper and laptop enrollments;
- Enrollment meetings with benefit professionals from carriers,
- Customized and online enrollment systems, for certain carriers and plans.
Call our friendly staff to ask about protecting your employees and learn about the difference we can make. There is no obligation and we charge no broker fees for our services.
Ask for the Benefits Department at 800.843.6064 or email to Benefits@cutlersinsurance.com or complete this form and FAX to 909.307.1245.
|
