Smart Benefits for Small Businesses

✅Women-owned | ✅ St. Charles–based | ✅ MO & IL expertise | ✅Client-first support

Affordable and comprehensive health and life insurance solutions designed specifically for small teams of 2 to 50 members across Missouri and Illinois.

 

Small Group Health Insurance
Affordable, flexible plans designed for teams of 2–50 employees.

  • Options: PPO, HMO, EPO, HDHP/HSA-compatible

  • Network & carrier guidance (local + national)

  • Renewal strategy & year-round support

ICHRA Solutions
A modern alternative to traditional group coverage for small employers and startups.

  • Employer sets a predictable monthly allowance

  • Employees choose their own coverage (Marketplace or private)

  • Full compliance support: notices, setup, ongoing administration

Group Life & Disability

Protect your employees’ families and incomes.

  • Basic & voluntary life insurance

  • Short-term and long-term disability coverage

  • Buy-up options for added protection

Supplemental Benefits

Low-cost extras that make your benefits package more competitive.

  • Dental & Vision

  • Accident & Critical Illness

  • Hospital Indemnity & Telehealth services

What We Offer

  • Small Group Health Insurance — Fully Insured, Level‑Funded & Self‑Funded Options. PPO, HMO, EPO, HDHP/HSA; network guidance; renewal strategy.

  • ICHRA for Small Employers & Startups — Predictable budgets, employee choice, setup & notices handled.

  • Group Life & Disability — Basic & Voluntary Life; STD/LTD; buy‑up options.

  • Supplemental Benefits — Accident, Critical Illness, Hospital Indemnity, Dental & Vision, Telehealth.

  • Individual & Family Coverage — Marketplace guidance & subsidies; private plans; HSA/HRA strategy.

Funding Models at a Glance

  • Fully Insured: Fixed premium; simple.

  • Level‑Funded: Set monthly level; refund potential; transparency.

  • Self‑Funded (ASO): Control & potential savings; requires tolerance.

  • ICHRA: Employer allowance; big flexibility.

How it Works

How We Make Employee Benefits Easy:

1️⃣ Discover – We learn about your business goals, team size, and budget.
2️⃣ Design – We research top carriers and recommend the best options for you.
3️⃣ Enroll – We handle the details and help you onboard your team.
4️⃣ Support – We’re here year-round to answer questions and manage renewals.

Frequently Asked Questions

  • If you have 2–50 employees in Missouri or Illinois, yes—let’s chat.

  • A basic employee census (ages, zips, dependents), your current plan details (if any), and your target budget.

  • Absolutely. Many groups offer a base plan plus a buy-up option to fit varied needs.

  • We handle setup, notices, and employee support; you control the budget.