Island Group Plans, Inc. gives employers and employees many choices, empowering them to make the right decisions to improve their oral and overall health.
We offer dental insurance products from the finest carriers in the industry. Our position in the industry as an elite broker allows us to obtain the very best rates with great plan design flexibility.
Our Preferred Carriers:
|Reasons to choose Island Group Plans, Inc.|
|Flexibility||We offer a variety of plan designs including Administrative Services Only (ASO), Preferred Provider Organization (PPO), and Pre-Paid DMO plans. Innovative plan options like Maximum Rollover get more value out of annual maximums, allowing members to roll over a portion of unused benefits for future use.|
|Wellness Features||We’re committed to helping our members improve their oral and overall health and encourage preventive care through coverage of early cancer detection exams, adult fluoride treatments, implant coverage, and discounts on Xylitol products.|
|Tools and Services||We help members make educated benefit decisions with online tools like the Dental Cost Estimator and Find a Provider site. Claims reports help brokers and employers determine if their plan is working for them. Members can rely on our fast 2.5 day average processing time and 99% accuracy rate.|
Island Group Plans, Inc. is one of the leading providers of Vision insurance. Our two main Vision insurance companies that we recommend are VSP & Davis. Healthy eyes often translate into good overall health, so vision care is an important part of any benefits program. Regular eye exams can detect diseases like glaucoma, diabetes, and other possible causes of blindness in their early stages.
Our vision plans provide access to two large national vision care networks. We cover exams and materials, and allow members to visit any doctor they wish, but offer significant savings on out-of-pocket costs when visiting a network provider.
|Our Networks||Our provider networks give members thousands of access points nationwide. VSP and Davis Vision combined have over 80,000 access points nationwide, including retailers like Wal-Mart, Target, JC Penney, Sears, and Pearle.|
|Network Discounts||Generous network discounts include up to 25% off laser vision correction, discounts on additional glasses, and cosmetic enhancements such as tints, special lenses, and scratch-resistant coating.|
|Contact Lens Benefits||Contact lens benefits allow members to choose contact lenses instead of eyeglasses. A contact lens allowance counts toward contact lenses and the contact lens exam (fitting and evaluation).|
|Benefits and Lens Upgrades||Optional benefit and lens upgrades are available, including lens tinting, progressive lenses, anti-reflective coating, polycarbonate lenses, safety glasses, and additional glasses|
Group Life Insurance
When the unexpected happens, ensuring loved ones have appropriate financial protection is crucial. While most people recognize the value of life insurance, nearly one-third of American households currently don't carry any life insurance at all. At Island Group Plans we offer many options for life insurance for you and your employees. Options include flat amount, or based on salary and we even offer higher protection levels for key employees without undergoing a physical.
Our Preferred Partners:
Blue Cross Blue Shield
|Key Features for Most of Our Life Policies:|
|Accelerated Life Benefit||Allows an employee diagnosed with a terminal medical condition to receive up to 50% of his/her group term life benefit to assist with finances.|
|Waiver of Premium||If an insured employee becomes totally disabled prior to age 60, life insurance may be continued without further payment of premium until age 65.|
|LifeAssistsm||Provides critical income to employees who suffer a severe or catastrophic disability.|
|Enhanced Accidental Death & Dismemberment||Available features include day care expense benefits and additional payouts when seatbelts and airbags are used.|
|Portability||Employees can continue their life coverage through Guardian upon termination of their employment for reasons other than injury, sickness or termination of the policy.|