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Home > Employee Benefits Home

Employee Benefits


Employee Benefits Information

Two River Benefits Consultants offers a comprehensive selection of employee benefits which cover a wide range of care and touch your employees in every facet of their life. Two River Benefits can customize plans to meet your needs in programs ranging from Healthcare to Worksite benefits.

Contact us to learn more on our customized plans which reduce company cost and improve employee satisfaction.

Medical Plans

Self-Funded Health Care Plans:

  • Level Premium Plan
  • ASO Plan
  • Group Captive
  • Reference Base Pricing
  • Minimum Essential Coverage Plans (MEC)
  • Indemnity Plans

Fully Insured Medical Plans

  • Health Maintenance Organizations (HMO)
  • Exclusive Provider Organization (EPO)
  • Preferred Provider Organization (PPO)
  • Point of Service (POS)
  • Consumer Directed Plans (CDHP)
  • Health Savings Accounts (HAS)
  • Health Reimbursement Accounts (HRA)
  • Individual Coverage Health Reimbursement Accounts (ICHRA)

Popular Employee Benefits:

Can be either employer paid, employee paid (voluntary) or contributory with both employer and employee paying the premium.

Group Dental Insurance

There is a reason your employees want and need dental insurance. Without good oral care, statistics reflect people are 67% more likely to have heart disease; 50% more likely to have osteoporosis, and 29% more likely to have diabetes. So it’s no surprise that 75% of employees consider dental coverage very important. There are several types of Group Dental Insurance. Dental insurance, a dental plan, is a form of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO).

  • Indemnity Plans
  • Preferred Provider Network Plans (PPO)
  • Dental Health Maintenance Organizations (DHMO)/Capitation Plans
  • Discount or Referral Plans

Group Vision Plans

Group vision plans help your employees keep their vision healthy so that they can keep helping your business grow and succeed. There are two main types of group vision insurance;

  • Ancillary Vision Plans
  • Optional Rider Vision Insurance

Gap Insurance

Group Accident Insurance

Group Life Insurance

With group life insurance, a single contract (master plan policy) covers an entire group of people. The employer or an entity such as a labor union is the policyholder, and the employees or members of the group are the ones covered by the group policy. Such coverage is often part of an employee benefits package, with the employer paying the premium. There are three basic types of group life insurance: group term life, group universal life and variable group universal life.

  • Group Term Life
  • Group Universal Life
  • Variable Group Life

Group Critical Illness

Group Cancer Indemnity Lump Sum Policy

Group Short Term Disability (STD)

Group Long Term Disability (LTD)

Group Long Term Care (LTC)

Group Financial Wellness

Group Legal Plans

Group Auto & Home Insurance

Group Pet Insurance

Key Employee Insurance

Business Disability Buy-out

Worried about the financial stress your employees may face? Reach out to a Two River Benefits consultant to customize a package of voluntary benefits which will reduce stress and improve both productivity and satisfaction.

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