Employee Benefits

Welcome to the Employee Benefits Division of Richard S. Bernstein & Associates. We pride ourselves on our extensive level of personal service to each and every one of our employer groups and their employees. If you want to lower your costs, improve your benefits, and be fully serviced with your insurance coverage, you will not be disappointed for choosing us. We offer services such as:

  • Enrollment processing
  • Termination processing
  • Cobra instructions
  • Claim problem resolution
  • Emergency issues
  • Administration from behind the scenes

We have been in the business insuring both small and large groups here in Florida and Nationwide since 1964. We offer coverage such as:

  • Health insurance
  • Group term and voluntary life insurance
  • Disability coverage, both short-term and long-term
  • Vision
  • Dental, DMO, PPO or combinations of both
  • 401(k) retirement plans
  • HSA compatible plans
  • Long-term care insurance
  • Group Supplemental Insurance (cancer, accident, critical illness, etc.)

Health Insurance

We offer health insurance to both small and large groups. The typical plans that we utilize are:

HSA Qualified High Deductible Health Plans (HDHP)

A PPO health plan with deductibles meets the I.R.S. requirements for use of a Health Saving Account. These plans allow subscribers to use any network doctor available anywhere in the country with out-of-network benefits. A health savings account allows employees to choose a high deductible health insurance policy and fund that deductible in a tax-free savings account. They can fund up to 100% of the deductible each year. Any unused monies will roll over. This combination can save employers and employees hundreds of dollars per year in premiums and taxes.

HMO Health Insurance

This plan requires a referral from a primary care doctor in order to see a specialist. Although HMOs do not offer out of network benefits, they normally have the lowest cost.

Open Access HMO Insurance

Open Access HMO is similar to an HMO, however, no referral is required for specialist care. Subscribers can use any network doctor for a low co-payment.

POS Health Insurance

A Point of Service plan is just like an open access HMO, except it will include out of network benefits which are paid at higher co-pay.

PPO Health Insurance

A PPO health plan allows subscribers to use any network doctor available anywhere in the country. This plan also includes out of network benefits.

PPOs are the least restrictive form of health insurance.

Why choose Richard S. Bernstein & Associates?

A group health insurance plan can be the most important benefit that you, as an employer, can provide to your employees.  Richard S. Bernstein & Associates, Inc. can service your selection, purchase, implementation and administration of this vital coverage; whether it is for four employees – hundreds – or thousands. We work with all major carriers and several third party administrators for our self-insured clients.  We aggressively seek competitive quotes for your plan to lower your costs and improve your benefits.  Once on board with Richard S. Bernstein & Associates, Inc., we provide exemplary personal services to you, the employer, your plan administrator, and all of your plan participants.

If you would like to have us review you current cove=age or provide you with a free employee benefits quote from one of these lines of coverage, Please contact us today.