Major medical and ACA group health
We guide businesses through both the state small-group market and national group markets.
New York State of Health, small business marketplace
For New York employers we use the official Small Business Marketplace, including the small-business healthcare tax credit when the group qualifies, and we select from leading regional carrier networks.
Multi-state and national groups
Operating outside New York, or managing people in more than one state? We structure group health for businesses under Healthcare.gov and state-based exchanges so the plan stays compliant with local rules and essential health benefits.
Claims protection, the “deductible buster”
Pairing a major medical plan with the Vital 110 plan keeps day-to-day claims — doctor visits, labs, routine prescriptions — off the primary health policy. Shifting that routine use away from the major plan is how Benefact helps a business avoid a painful renewal increase.
Voluntary and supplemental group coverage
Round out the package with employee-paid or employer-sponsored options:
- Group dental and vision. Preventive cleanings, eye exams, and hardware, on flexible networks.
- Short-term and long-term disability. Income protection for a temporary absence or a long one.
- Group life and AD&D. A base of financial security for employees and their families.
- Accident and critical illness. Lump-sum cash when a serious health event creates bills the major medical plan does not pay first.
- Hospital indemnity. A fixed daily benefit during a hospital stay, useful against a high deductible.
Tax-advantaged savings
Programs such as Section 125 payroll optimization, including the Vital 110 plan, can be used in any state. The design reduces employer FICA taxes and can deliver $0 copay benefits to staff. Employers in Benefact’s Vital 110 design save $438 per employee per year in FICA while the workforce receives the healthcare benefit without a new net expense for the employee or the company.
Featured: the Vital 110 plan by Health Compass Inc. Premiums climb almost every year. Vital 110 approaches the problem through payroll tax, not by cutting the benefit. Read the full explanation, including the 10-employee minimum.