The Financial Guys

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Employee Benefits

Group Health Insurance

The Financial Guys Insurance Agency is a leading provider of comprehensive employee benefit plans and group health insurance solutions tailored to meet the diverse needs of businesses across various industries. With a deep understanding of the evolving landscape of employee benefits, we are committed to assisting companies in attracting and retaining top talent while ensuring the well-being of their workforce.

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Are you a business owner?

By offering a range of customizable benefit packages, including health insurance, dental and vision coverage, disability insurance, and life insurance, The Financial Guys Insurance Agency empowers businesses to create a competitive advantage in the market while fostering a culture of employee satisfaction and loyalty.

Health Insurance

Having a healthy workforce is important. Health insurance protects your employees from rising medical and prescription costs. We find the best plans for your employees and stay within your budget.

Vision Insurance

Annual eye exams catch vision and potential medical issues at an early stage, helping to reduce illness and treatment costs. Vision insurance includes routine eye exams, prescription glasses, contact lens and more.

Flexible Account Spending (FSA)

FSAs are a tax advantaged account to help employees with out-of-pocket expenses such as medical, dental, vision and child care. The funds generally need to be used within the plan year. This can be funded by the employee, employer or both.

Health Savings Account (HSA)

HSAs are a tax advantaged account that can be used to pay for medical, dental and vision
expenses. Balances roll over year if they are not used. HSAs are funded by the employer,
employee or both.

Dental Insurance

Most Americans believe oral health is extremely important to their overall health. Dental insurance covers preventative services such as check ups and cleanings. It also reduces out of pocket costs for the unexpected services such as root canals, extractions, fillings and crowns.

Disability Insurance

Your earning potential is your most important asset. Disability insurance pays a percentage of your salary if an accident, injury or illness prevents you from working.

Health Reimbursement Arrangement (HRA)

HRAs are a tax advantage plan solely funded by the employer. This helps with out-of-pocket expenses such as medical, dental and vision. The employer chooses what expenses would be covered and when they can be used.

Life Insurance

Life Insurance provides financial support to the family of an employee who dies. Offering group life insurance is less expensive with a higher benefit with no physical exam needed by the employee.

Other Ways To Help Employees

New York State of Health

Financial assistance is based on household income and size. Plans as low as $0 per month. This may be a solution for some of your employees.

Medicare

Medicare is health insurance for people 65 and older Some people may be eligible earlier if they have a disability, ESRD, or ALS. A Medicare plan may lower the cost of the insurance for the employee and/or spouse and provide better coverage compared to your group plan.

Child Health Plus

Child Health Plus covers children up to age 19. Monthly premium is based on household income and size. This may be a way to reduce the cost for an employee to cover their family.

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