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Employee Benefits

Whatever your needs, Fortitude Insurance has the right solution for you. Fortitude Insurance Group specializes in Deductible First Health Plans linked with Health Reimbursement Arrangements. To date, we have saved our clients over $3 million dollars on their employee benefit costs. Our experienced team will help you specifically design a strategy to meet the needs of your particular business.

Health

Deductible First

Whatever your needs, Fortitude Insurance Group has the right solution for you. Fortitude Insurance Group specializes in Deductible First Health Plans linked with Health Reimbursement Arrangements. To date, we have saved our clients over $3 million dollars on their employee benefit costs. Our experienced team will help you specifically design a strategy to meet the needs of your particular business.

Health Plans

Health Maintenance Organization
In an HMO, your medical care is managed by a primary care physician (PCP) that you choose. Your PCP becomes your personal physician, the doctor you see for all the routine medical care including annual physicals, immunizations and health concerns. If you need to see a specialist, be admitted to a hospital, have lab or X-ray work done, your PCP has to refer you to the appropriate provider or facility. In an HMO, you are required to stay within the HMO network to be eligible for benefits and the having the cost covered. At the time of service, you pay a small co-payment, keeping out-of-pocket costs low. With no claim forms to complete, an HMO is a very simple plan for you and your employees to administer.

PPO (Preferred Provider Plan)
What makes a PPO different than HMO is its "open access" nature. Open access means that while you stay within a network to receive full coverage, it is not requried that you choose a PCP. You may go to any network provider you choose, even a specialist, at any time. A referral for hospital, outpatient or ancillary services is not necessary unlike a HMO plan. You may go outside the network for care, but your benefits will be a bit lower and the out of pocket cost will be higher. PPO plans normally do not require any submission of claim forms while in-network. A big bonus about the PPO plan is that if you get into some serious accident where you have no control where you are taken, then you have nothing to worry about. However, if you are under a HMO plan and get taken to an out of network hospital, you may be reliable for all health costs.

POS (Point of Service)
A POS has similar features to an HMO, in that your medical care is managed by a primary care physician (PCP). Your PCP becomes your personal physician, the doctor you see for routine medical care including annual physicals, immunizations and health concerns. Referrals in-network are handled by your PCP and have a small co-payment at the time of service. An additional benefit in a POS is that you have the ability to self-refer to any physician, but with higher out-of-pocket costs. POS plans normally do not require any submission of claim forms while in-network.

Traditional
In a Traditional Plan you have complete freedom of provider choice. Services that have been deemed medically necessary are paid out on a variety of cost sharing co-pay and deductible options. They don't generally cover wellness and routine care, but it can be added in some cases for an additional premium. Traditional plans are the most flexible plan however the are also the most costly. They normally require submission of claim forms.


Dental

Today many employers choose to provide dental insurance for their employees as a voluntary benefit that is paid 100% by the employee through payroll deductions. Regardless of how you would like to offer Dental Insurance to your employees, Fortitude Insurance Group has the right solution for you.

  • Full coverage with a 100% benefit for preventive exams & cleanings
  • An 80% benefit for basic services such as fillings and root canals
  • A 50% benefit for major services and prosthodontics such as dentures, crowns, etc.

Life

Key Person

At Fortitude Insurance Group we recognize that your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy.

Key Person Employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production.

Fortitude Insurance Group has expertise in providing organizations with the right level and terms of Key Person Employee insurance, working with companies large and small to meet their particular business continuity, risk mitigation and financial needs.

Buy / Sell

If you have a partner in business, you have a need for insurance so that in the event of death or disability, you can buy out your partner's interest without having to take out a loan or liquidate company assets.

With over 20 years of experience, Fortitude Insurance Group is even more aware of this necessity when there are spouses, children – or significant debt – involved in these situations.

Fortitude Insurance Group has worked with a variety of different types of organizations and business structures to provide the right type and level of Buy/Sell Life Insurance and Buy/Sell Disability Insurance to meet the unique and very individual needs of our clients and their businesses.

Group Plan

Group Life Insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value Group Life Insurance coverage provides and recognize the additional financial security it offers their families.

With Fortitude Insurance Group, employers have a wide variety of optional plan designs to customize a Group Life Insurance plan.

Optional coverages include:

  • Voluntary Life insurance
  • Supplemental Life coverage
  • Accidental Death and Dismemberment policies
  • Dependent Life insurance

Group Disability

Long Term

Long Term Disability is a significant financial risk. In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employers. Fortitude Insurance Group is an expert resource and provider when it comes to offering Long Term Disability protection.

Protect your employees and protect your business. Fortitude Insurance Group can present you with Long Term Disability plans that are specifically designed to help cover the employee's expenses while their regular income is interrupted, without adding undue pressure to your organizations finances.

Flexible plans to meet your requirements. Our flexible plan design options and benefit alternatives are available to meet your specific requirements and financial needs, providing valuable protection with low-cost, tax-deductible premiums.

Short Term

In today’s unstable economic climate, a steady income is essential for all your employees. If an accident or illness interrupts that income, it affects both the employee, as well as you, the employer.

Short Term Disability (STD) protection is designed to replace a portion of the wages lost when a short term disability of an employee occurs.

Fortitude Insurance Group can provide your organization – no matter the size or budget you may have – with an affordable, flexible Short Term Disability plan that guarantees the benefits and coverage most required by individual employees.


Vision

A Group Vision plan is especially attractive for employers because it is inexpensive to offer, yet it's another benefit that many employees often ask for. It is also considered a favorite “perk” that employees truly value and appreciate.

While in many instances the basic group health insurance plan may provide employee reimbursement for routine eye examinations, basic group health coverage does not provide any benefit for frames, lenses or contact lenses.

Fortitude Insurance Group offers Group Vision as a separate plan that provides your employees coverage for eye exams and/or for frames, lenses and contact lenses.

Contact Fortitude today to learn more about our coverage packages