Quality and Affordable Employee Benefits
WISPA and UNITEL Insurance have teamed together to give you access to a broad employee benefits portfolio and other services to make your employee benefits program even better.
Employer-paid and voluntary
- Life/AD&D
- Short-term and Long-term Disability
- Dental and Vision
- Critical Illness, Cancer and Accident
- Executive Benefits
Benefits just for you
- Preferred pricing
- Extended rate guarantees
- In-depth, needs-based benefit consultation
- Flexible benefit options
Group benefit options
Note: For single-line coverage, you must have at least 5 enrolled employees. For multi-line coverage, you must have at least 3 enrolled employees.
If you are a mid to large group and would like to request additional benefits, contact us.
Silver
Group Life/AD&D: 15K
Dependent Life: None
Gold
Group Life/AD&D: 25K
Dependent Life: None
Platinum
Group Life/AD&D: 50K
Dependent Life: 5K Spouse/ 1K Child
Platinum
12 weeks benefits
8 day waiting period
60% income replacement
Gold
90 day elimination period
50% income replacement
3K max monthly benefit
Platinum
90 day elimination period
60% income replacement
6K max monthly benefit
Gold
Deductible | ||
In-Network | Non-Network | |
Preventative | $0 | $0 |
Basic | $50 | $50 |
Major | $50 | $50 |
Family Deductible | 3X per person | |
Coinsurance | ||
Preventative | 80% | 80% |
Basic | 50% | 50% |
Major | 50% | 50% |
Max Annual Benefit | $1,000 | |
Max Accumulation | Included |
Platinum
Deductible | ||
In-Network | Non-Network | |
Preventative | $0 | $0 |
Basic | $25 | $25 |
Major | $25 | $25 |
Family Deductible | 3X per person | |
Coinsurance | ||
Preventative | 100% | 100% |
Basic | 80% | 80% |
Major | 50% | 50% |
Max Annual Benefit | $1,500 | |
Max Accumulation | Included |
Note: If employee paid, you must have at least 5 enrolled employees. If employer paid, you must have at least 3 enrolled employees.
Platinum
VSP Choice Network | ||
Deductible | ||
Exams | $10 Copay | 1 per 12 Mo. |
RX Glasses | $25 Copay | 1 pair per 12 Mo. |
Frames | $150 allowance lenses | 1 set per 12 Mo. |
20% off over allowance | ||
Contacts (elective) | Up to $60 for exams | 1 per 12 Mo. |
$150 allowance lenses | Instead of lens and frame benefit | |
Contacts (necessary) | $25 Copay | 1 per 12 Mo. |
Instead of lens and frame benefit | ||
Lens Enhancements | Most options covered after a copay, saving members average of 20-25% |
Note: If employee paid, you must have at least 5 enrolled employees. If employer paid, you must have at least 3 enrolled employees.