en route to the American dream.

benefits & the employee

ONE RESOURCE For All Your Employee Benefits

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"I have very little choice in what my benefits are. I can't put together a program that fits my family's needs."

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We offer ā€œa better wayā€ to take care of your benefits needs:

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  • Your employer will give you a set amount of money to buy benefits.

  • Our allmybenefitsĀ® Bright ChoicesĀ® Exchange provides a robust menu of benefits to choose from, and makes it easy for you to personalize a benefits portfolio to get the right coverage for the right price.

  • Your Personal Benefits Shopper recommends a unique portfolio of plans based on your health, wealth, and personality.

  • You can fill your shopping cart with products recommended by your Personal Benefits Shopper, or you can choose your own.

  • We put control of personal decisions in your hands, but give both technology and in-person help to make your choices.

 

"I can't afford the health plan that I currently have."

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Our allmybenefitsĀ® Bright ChoicesĀ® Exchange offers you a number of health plan options – plans that provide  good coverage with low deductibles, and plans that have low premiums with higher deductibles. Use our ā€œTell Me Moreā€ education resource hub to view articles, videos, and FAQs that explain insurance terms without jargon. Fill out the questionnaire and your Personal Benefits Shopper will recommend a plan that fits your health, wealth, and personality. Meet with us in person, or call us to get all your questions answered.

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"Do I really need disability insurance? Is dental insurance really worth the money? How much life insurance do I need to protect my family?

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Your allmybenefitsĀ® Bright ChoicesĀ® Exchange Private Benefits Shopper will recommend a benefits package that fits all you benefits need. 

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"I have elected a high deductible health plan that is HSA eligible. How do I open up a HSA?​

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Our allmybenefitsĀ® Bright ChoicesĀ® Exchange can help you start an HSA.

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"Should I put money in my HSA or more in my 401(K)? How should I invest my 401(K) money?

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Our advisors can help you with these types of questions, either in person or over the phone.

 

"Isn't there someone who can help me with all my benefits decisions?

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We can do that for you. Use our allmymoneyĀ® Financial Wellness app to give us a complete picture of your financial situation. We can then put together a complete financial plan for you. 

toll free  800.880.4015

Investment advisory services offered through intellicents investment solutions, an SEC registered investment adviser.

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