WE DESIGN HEALTH AND DENTAL BENEFIT PLANS WITH CASH BACK GUARANTEES. REDUCED RATES WITH CUSTOMIZED BENEFITS We guarantee you will receive cash benefits to pay your claims or as an asset of your firm. And we pay your claims directly to the provider. Description No matter whether your firm selects an HMO, PPO or Indemnity Plan, all such plans allow you to buy options to eliminate deductibles, or reduce co-pays, both for medical services and prescription drugs. Perhaps you have never compared the premiums of these various benefit options to the maximum benefit that can be paid out for that option. It may suprise you to know that the premium in many cases exceeds the maximum potential pay out value and can cost three to four times the actual benefit received. Therefore, no matter what insurer you select we can show you how to analyze the options offered by that carrier. We can help you select better benefits for significantly lower cost.