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.