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Who is CapStone Insurance Group
January 25, 2010 – 9:54 am | One Comment

 
       CapStone Insurance Group is a full service independent insurance agency based in middle Tennessee.  We take a different approach to protecting you. We understand that for many insurance is confusing and frustrating.  Our goal is …

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Home » Featured, Group Benefits

FAQ’S Regarding Voluntary Products

Submitted by justin on January 26, 2010 – 12:11 amNo Comment

   

How much does your service cost?

Our service is provided free to the Employer. 

What can I do to control the cost of my Health Insurance?

There are many cost containment strategies. Such as raising the deductible amount and providing a Voluntary Supplemental policy as an option to cover the increase. The single most important thing you can do as an employer is promote a healthy life style. 

As a small business owner I’m not in the position to offer my Employees Health coverage. What does your company offer as a solution?

Traditional health coverage can be a struggle for many employers regardless of the size. We offer Mini-Medical plans that have made a positive impact on many organizations. These plans are affordable, have no deductibles, help cover the expenses that most employees are likely to incur, National network of physicians. 

Do you provide Major Medical/Health Insurance?

Through our partnerships we can assist you in obtaining an accurate competitive quote for Group Health Insurance. 

What are Voluntary Supplemental Products?

Voluntary Supplemental Products are policies that are designed to provide cash benefits directly to the policy holder in the event of a serious injury of illness. These types of policies have become increasingly popular. Statics show that many Americans live paycheck to paycheck and could not afford to be off of work for any amount of time while recovering from such an event. These types of policies make that recovery time possible. 

What is a Hidden Paycheck?

A “hidden paycheck” is made up of all of the cost that are paid upon the employees behalf that many are unaware of. Typically this includes FICA Tax, Social Security Tax, Federal Unemployment Tax, Health Insurance premiums. Employers know that this can be up to 25% of the total compensation.

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