EBIS is an independent brokerage agency specializing in employee benefits and is a Managing General Agent for multiple carriers. We offers unique group medical & voluntary products with a full complement of services which when combined provide large corporate-style benefits for any sized business. Our products often surpass traditional benefits usually at a better price point because we sell Level-Funded ERISA products using mostly Doctor and Hospital PPO Networks or Network Free Coverage (Referenced Based Pricing.)  When you request a group medical quote for your clients, EBIS can provide multiple major medical insurance carriers’ quotes and can also include supplemental coverage to round out a benefit package. We can provide health coverage to as few as five enrolled employees and we also can offer health coverage without any employee percentage participation requirements; waived employee count is no longer a concern. Many of our new clients are paying less than their previous year without sacrificing benefits; when our current clients see a renewal rate increase it often is less than the average ACA Plan renewal increase.

You can have access to a “market” of supplemental insurance products when you work with EBIS. We offer the best products by the names you know and trust; we also have Private Label Coverage that are backed by those very same companies. Our Private Label Products can help the smaller businesses get around participation requirements. These supplemental products can give you an advantage by offering product your competition may not or cannot provide.

Additional services provided by EBIS are: one source / consolidated billing program; employee and employer benefits manuals; required notices for both employers and employees; and HSA and HRA administration. Our programs come at an affordable price that will help your Agency better manage and audit benefits expenses, track payroll deductions (post and pretax) as well as audit benefits expenses and manage enrollment. When you offer our products and services your client’s benefits administration is practically eliminated.

Besides full major medical insurance EBIS offers Telemedicine and Minimum Essential Coverage (MEC) plans for employers of any size. Many times the no fee unlimited use Telemedicine is included with the major medical coverage. Employers with 50+ full time or full time equivalent employees can solve their ACA compliance issues and avoid the fines. These plans meet the ACA’s Minimal Essential Coverage Mandate and the most basic MEC plans are below $75 a month per employee.

EBIS is ahead of the curve in group benefits by partnering with carriers that proactively work with employers to contain costs. Savings come through wellness programs and carrier – subscriber interaction. Nurses work direct with subscribers to address their needs and this leads to better health and reduced medical expenses. Health Maintenance Plans, regimented care for chronic medical conditions and monitoring medication refills are only some of the services that are offered. Subscribers have a team to make sure their medical needs are being met and the team is always working to prevent or correct interruption of needed services or prescriptions. These important services mitigate urgent care, emergency care and unnecessary hospitalizations. These carriers can find ways to make sure that the subscribers’ needs are met sometimes using unconventional methods.

Good employees are important and key to a business’s success; benefits are an investment in employees which improves their productivity, security and wellbeing. EBIS works with the carriers to ensuring that each line of coverage is negotiated at the best possible price and quality. When you use us we make sure you have the appropriate coverage for your clients. A great product portfolio is important but access to our professional and knowledgeable staff will help augment your services. Product training; support (pre-sales, enrollment, post-sales); guidance on all types of compliance requirements along with our fee based services are not usually offered together by a single company. Whether you are an agent or an agency we will provide whatever level of support is necessary for you to sell rather than letting you sink in to the minutiae of administrative and clerical work.