Group Health Insurance

Marcotte focuses on four key elements when designing your group health plan:

• Purchase a health plan that utilizes deductibles to maximize premium savings. The flexibility of these plans allows employers to keep the savings or direct them to employees to reduce out-of-pocket medical costs. These concepts are accomplished through Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA).
• Use the premium savings to fund an element of self-insurance and Health Savings Accounts.
• Conduct onsite education meetings to help employees understand and appreciate their benefits package, while becoming better healthcare consumers.
• Implement and promote effective wellness programs.

Group Disability Insurance

Offered on either a voluntary or employer-paid basis, there are many pieces to a disability contract that should be carefully evaluated. Benefits can be designed to offer cost-of-living increases, "own OCC" benefits, or tax-free income in the event of a disability.

Group Life Insurance

There are many benefits to offering a group life plan for your employees. Many policies have no or limited underwriting and can be about 40 - 50% less in premium than individual coverage. A group life program can provide employees with peace of mind.

Group Dental and Vision Insurance

Long-Term Care Insurance

Did you know that over 40% of people receiving long-term care services are under the age of 65? This is one of the reasons why long-term care insurance has become an increasingly requested employee benefit. Marcotte has implemented these types of plans since their inception and represents multiple carriers in this marketplace.