Quality and Affordable Employee Benefits
UNITEL Insurance has worked to build employee benefit options for both businesses that currently offer these benefits, and those looking to add for their employees. For companies with 3-20 employees, we’ve pre-built benefit options to make the process simple.
Available coverages
Each tab below outlines coverage options, begin below to receive a proposal for your company.
Benefits program options
Silver
Group Life/AD&D: $15,000 Benefit
Dependent Life: None
Gold
Group Life/AD&D: $25,000 Benefit
Dependent Life: None
Platinum
Group Life/AD&D: $50,000 Benefit
Dependent Life: $5,000 Spouse/ $1,000 Child Benefit
Platinum
12 weeks benefits
8 day waiting period
60% income replacement
Gold
90 day elimination period
50% income replacement
$3,000 max monthly benefit
Platinum
90 day elimination period
60% income replacement
$6,000 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.
Looking for other insurance options for your business? Contact us.