Serving Your Best Interests
Beyond initial planning and program development, Stellar provides value added opportunities on an ongoing basis to ensure that your plans are in line with current market trends and are running as efficiently as possible. Through our unmatched experience, product expertise, and market insight, Stellar can assist you with:
Health Care Consulting
Step-by-step customized service process designed to cover all aspects of policy selection, benefit coverage, funding choices (fully insured vs. self-funded) plan maintenance, and claim assistance.
Health Care Reform Guidance
Stellar will guide your company through the new laws and ever changing landscape of Health Care Reform; from employer and employee education to compliance assistance.
Core Employee Benefits
Medical, Dental and Vision Insurance - Insurance coverage available in various forms to help cover expenses incurred for treatment and care due to bodily injury or illness as well as preventative care.
Supplemental Worksite Benefits
Group Critical Illness - Helps pay the expected and unexpected expenses that arise from diagnosis of a covered critical illness
Group Accident - Helps pay for out of pocket costs that arise from covered accidents such as fractures, dislocations and lacerations
Group Accident - Helps pay for out of pocket costs that arise from covered accidents such as fractures, dislocations and lacerations
Life and AD&D Insurance
AD&D insurance protects you and your family from the unforeseen financial hardship of an accident that causes death, dismemberment, or loss of sight, speech, or hearing.
Short and Long Term Disability
Coverage designed to supplement an individual’s wages during a time of illness or a non-work related accident/injury that would prohibit the individual from working.
Health Savings Accounts (HSA)
A tax advantage savings account that is paired with a High Deductible Health Plan (HDHP) to pay for qualified medical expenses reimbursed on a tax-free basis.
Health Reimbursement Accounts (HRA)
An employer-funded account that is paired with a medical insurance plan to reimburse employees for a portion of the insurance plans deductible amount.
Health and Wellness Programs
Programs that promote the management of diseases, awareness, prevention and the practice of making choices to create a more healthy and balance lifestyle.
Section 125 Administration
Allow employees to pay for certain eligible medical expenses and childcare costs on a pre-tax basis. Section 125 plans include, but are not limited to Flexible Spending Accounts and Premium Only Plans, which provide tax savings for both the employer and the employee.
COBRA Administration
Outsourcing COBRA administration to a qualified party helps to ensure that a company is in compliance with the laws regulating COBRA. COBRA is a federal law that requires qualified employers to offer the continuation of group health, dental and vision benefits to former employees and their dependents upon a experiencing a qualifying event.
Executive Benefits
While paying careful attention to compliance and regulatory requirements, Stellar helps CFOs and HR Directors provide meaningful executive benefits solutions that are customized to complement existing group plans, bring parity in the benefits to the executives, and ensure that companies are competitive as they attract and retain key employees.
Individual Insurance
Determine the most appropriate individual insurance policy that fits the specific needs of an individual.
Medicare
Prepare a customized analysis to determine the needs of an individual eligible for Medicare. This includes analyzing Medicare Supplements, Medicare Advantage and Medicare D.