At Vogue Insurance Agency, we specialize in the benefit challenges and needs that employers face today. For every client, we strive to customize a level of service that has traditionally been reserved for Fortune 500 companies. Employers can chose from a myriad of options to create their employee benefits package. Our employee benefits consultants work with employers to educate them on the products and plans the market offers. We strive to ensure not only the most competitive options with regards to price, but also how to create value within an employee benefits package.
Group Health Benefits
Our commitment to the success of our clients is paramount when designing a benefits program. Every angle of approach is reviewed by our experienced staff to make sure the plan will be a success for the employer and employee. Our ability to implement and service a seamless benefit program change is centered on managed efficiencies and experience. Listed are the major benefit programs enlisted to the majority of employers and individuals we represent.
Our agency is very active in the group medical insurance marketplace. Whether you are investigating medical insurance for a group plan for a small start up, or a partially self-funded multi-state corporate group plan, our agency is capable and prepared to assist you. We can help you evaluate your needs, survey the marketplace, prepare side by side plan and rate comparisons for your review, and then help you implement the plan(s) that are determined to best meet your objectives.
We offer a wide range of choices that are sure to please even the most particular employer - choices that meet the employer's need for a cost-effective dental benefit program and help employees manage the cost of dental care for themselves and their families.
Life insurance can provide years of income to your loved ones in an affordable way.
In the event of your passing, life insurance is a guaranteed* promise to pay money directly to your beneficiaries. In addition to covering your family's daily expenses, life insurance can help your beneficiaries:
Supplement retirement savings
If you're unable to work due to a sickness or injury, disability insurance can help you cover your essential living expenses. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing a portion of your income, disability insurance can help protect your financial security until you get back on your feet and return to work.
With a considerable portion of operating budgets going toward employee-related expenses, it seems logical to look for ways to control those costs. That is why businesses today view Human Resource cost containment as an important part of their business model. The IRS Section 125 Cafeteria Plan, also known as a Flexible Spending Account (FSA), offers a simple method of reducing employee costs as well as costs to the employer.
Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit, and unlike a Flexible Spending Account, funds accumulate if not spent. HSAs are owned by the individual, which differentiates them from the company-owned Health Reimbursement Arrangement, but similar to an individual retirement arrangement (IRA); also similar to the IRA, HSA funds can be invested and controlled by the individual.
HSAs will help to reduce employer healthcare expenses by allowing them to offer better benefit packages to their employees and provide their employees with flexibility, choice and tax advantages. The HSA provides attractive incentives for employers of all sizes and individual consumers to provide health insurance while putting healthcare decisions back in the hands of the consumers.
We insure Boats, Personal Water Craft,
Motorcycles, RV's, ATV's, Homes,
Cars and Trucks.
We provide Homeowners and
Call us about Life, Health, Dental Insurance
and Disability Insurance.
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