With a full menu of products, options and choices, we can help you design a best-fit benefits package that’s right for businses, your employees and their families. We work hard, too, to ensure you get control over your program’s costs with the goals to achieve a flexible, affordable, and sustainable program for the long term.
Medical – Health
We know that providing health coverage is paramount to your employees’ peace of mind AND productivity. By partnering with leading, major health care providers, Cretcher Heartland offers organizations of all sizes, and in all funding options, the superior plan and service options they deserve.
Dental
Whether major or minor occurrences, dental care is important to your employees and and a key component in today’s progressive benefit programs. Comprehensive and supplemental dental care programs offer your employees options to insure their families with a dental plan that best suits their needs…ensuring bright, healthy smiles all around.
Life and Disability
Whiel no one every wants to execute options for life and disability coverage, it doesn’t mean you should ever ignore their necessity. Illness and injuries are hard on employees and their families, and without the proper disability coverage they can be devastating. Cretcher Heartland partners with numerous short and long term disability insurers to provide a comprehensive set of fully insured and self funded disability plans to meet the needs of both small and large organizations.
Vision
At Cretcher Heartland, we believe that seeing 20/20 means understanding the needs of your organization and employees… and providing solid vision coverage that is focused on everyone’s requirements and goals. It’s a myth that Vision programs are only feasible and affordable for large employers. We offer a selection of vision care packages through alliances developed with vision care providers that can achieve great results for for companies of all sizes.
Long Term Care
Planning for your future not only means planning for retirement. Are you prepared for the challenge of extended or long term care should the need arise? Planning now for the possibility of long term care ensures that the stress and burden of later care decisions are not left for loved ones to shoulder. Cretcher Heartland works with you to determine the best strategies and priorities for long term care coverage to protect you and your family and ensure good care is there when and if you need it.
Voluntary Benefits
Trying to fit a square peg in a round hole? In some cases and for some people, standard benefit packages aren’t the standard that fits their needs. Cretcher Heartland provides a wide range of coverage and plan options to meet your employees’ unique individual requirements. Providing your employees options to access and purchase additional coverage with the advantage and savings of group rates is not only a valuable benefit to them, it’s good business for you, too.
Section 125
Whether offering a premium only plan, health reimbursement or dependent care reimbursement plan, Cretcher Heartland will assist you in establishing the proper plan contract and administrator for this important employee benefit.