Types of Plans

Saving employers and employee’s insurance premium dollars

LL Benefits guides you through each step of the process, investigating, presenting, procuring, and registering you and your employees with the ideal benefits for your specific needs. But our services don’t stop there. We also continue to support you and your organization throughout the year.

Medical

Regarding medical benefits, employers and employees alike can share costs. In addition, there are tax incentives for businesses that provide group health coverage. Plans can be fully-funded by a state-regulated health insurance carrier, or self-funded by the employer (federally regulated). Carriers offer several group plans with varying options for deductibles, co-pays, annual limits, eligibility, and provider networks

Dental

Dental insurance is an employer-sponsored policy that pays a portion of the costs associated with dental care such as preventative cleanings, orthodontia, and restorative services. Insurance carriers offer plans with varying options for deductibles, co-pays, annual limits, and provider networks.

Vision

Vision insurance provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies and the typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the selected plan.