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Basic Benefit Plans  

Decide generally what you want, how much you want to pay then let US do the work! 

Health and Dental Insurance

Health Benefits
Benefit Type
Descriptions

Comprehensive
Medical
Coverage



As an independent agency, we can provide coverage from any carrier licensed to do busines in Ohio (AND cover employees in ANY state for Ohio-based companies.)  Based on the number of peole to be covered -- and your budget -- we will provide you with pricing and comprehensive evaluations so you can make a good decision on what you want to buy.


Prescription
Coverage

Usually available with basic Comprehensive Medical Coverage. We will find an option that meets your needs.

Dental
Coverage

 

There are a wide range of options from fully insured to reimbursement.



Disability
Insurance  

Long Term
Disability

When someone needs to USE this type of coverage, it is critical that users can get through the claims process QUICKLY and WITHOUT difficulty.
Our goal is to make sure that our carrier options provide the best VALUE by actually getting claims handled, not just offering the lowest price.

Short Term
Disability

Life Insurance

Group/
Individual
Term Life


Basic amounts are a very affordable benefit.
Optional additonal amounts are also available -- either company or individual paid.


 

Vision Plans         


Vision Plan


Vision plans can be an inexpensive and well- appreciated benefit. Many plans offer low-cost/limited benefit options.


Other Options

 

Limited Benefit/
Health Savings
Account Plans
(125)



These low-cost options, for individuals and employees who cannot afford to provide "traditional" employee health insurance, have high appeal -- a much reduced expense.






The Tom Ellis Experience

When you work with me, you can avoid the hazards and keep your numbers down.

Because I have had years of experience, I can tell you how to avoid the problems and keep your spirits up and your costs down.



Why an Independent?

Many individuals and companies, large and small, spend endless hours trying to figure out how to get the best deal on group life and health benefits.  But, with all the legal mumbo-jumbo and constant changes in rates and terms, it's almost impossible to figure out what to buy and from whom.

That's why, I'm an independent agent.   I can help you find the best product for you, and play more golf because I'm NOT tied to one company and its "rules."




Tom Ellis Insurance Services, Inc. BBB Business Review
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