Employee Benefit Services, Inc.

Level-funded – backed by an A+ rated carrier.
Can pair with any fully insured or level-funded arrangement.
EBS handles all plan administration.
After plan year-end, if there is a surplus (and there usually is), 100% can be returned to the employer, or the funds can remain in the employer’s custodial account for future use.
Stable pricing – 90% of our clients see no rate increase at renewal.
High Client Retention – 94% year in & year out.
Pricing includes broker commission.
No hidden exclusions – any charge that applies to the primary health plan deductible or coinsurance is covered under the bridge.
Flexibility in benefit design – the bridge can have a front-end deductible of any dollar amount, any coinsurance percentage, and we can pick up part of a co-pay if desired.
Operating in over 20 States.
Minimum group size – around 15 to 20 covered employees. Maximum group size – unlimited.

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