Welcome to 1StopBenefits! We
offer lower costs with no loss of benefits using brand name products you can
Save money on all types of insurance with no loss of
benefits. For over 28 years we have watched changes with the evolution of the
medical, life, and dental industry and we have developed concepts that will
lower your immediate costs while lowering your after-tax expense for treatment.
Representing all the leading insurance companies and working on your behalf, we
Our system of onsite
education, high tech delivery and personal service delivers results year after
year. Our direct billing and enrollment of individual products can drive down
the cost of plans for your employees verses the many high cost voluntary group
benefits. Employee productivity excels with their financial security intact
because of sickness or injury. Retention rates and employee morale rises with
our comprehensive benefits package. Other services expand savings even when
employer funding does not exist.
Hit the "Easy Quote" button
for a short quote request
form with a fast
concept that has consistently lowered costs over the past 12 years is
Originally, we used high deductible plans coupled with tax savings HRA/FSA
vehicles saving groups 30 to 40% on costs while providing 100% coverage for
employees and their dependents without copays and deductibles. Every group that
accepted the concept still uses it today.
We have adapted this concept to work with any size group/ union or even
individuals and still give the same savings potential every year. Why should
most people be penalized for their most common expenses and still be asked to
pay ridiculous premiums contributions? The insurance companies want you to go to
high deductible plans and offer high premium discounts to motivate you to
change. Take advantage of this options and then use a separate contract to pay
you cash benefits based on the type of service, thus giving everyone an
incentive to shop for better outcomes and lower cost services.
What would you do if you could shop with a financial incentive?
If you had a $10 copay for generic or 50% for Brand name drugs, would
you ask if a generic was available?
Who would you go to first if you were given $70 cash for each office
visit and the PCP wants $50 or a specialist wants $100?
Would you consider going to a lower cost establishment if you could look
up costs for facilities and diagnostic test charges and found there was
a 300% difference in price within 3 miles of your location through
numerous highly recognized names and you could keep any excess or
Would you ask the type of prescription if you knew dermatologist and
orthopedics gave out brand name drugs 80% of the time and most have no
long term proven benefit?
By using our suggested benefits strategy,
employers obtain a fixed benefits expense, proper compliance with state and
federal laws and overall employee satisfaction with their benefits package.
21st Century Health Insurance works every time:
21st Century Solution|
||POS or PPO
||Out of Network
||*Out of Network|
||$1800 a month
||$950 a month|
Any group can benefit by our concept of Restructure, Bundle and
Save. We simply take advantage of the 85% of participants that have less than
$5000 of medical expenses in any one year, restructure a high deductible major
medical plan with indemnity supplemental plans and possible tax savings vehicles
and generate 100% coverage for doctors, hospitals and other services with an
overall drop of over $1000 in savings per employee. Learn more at our affiliate
Why are you making your employees pay with after-tax dollars for
copays, deductibles and prescriptions when we can fill the gaps on a voluntary
basis for just management or everyone with low or no participation requirements?
Options coverage is guaranteed issue and all pre-existing conditions can be
covered immediately depending on the number of participants.
Healthcare reform will raise everyone’s shared costs and your
group will be exposed to many new rules starting next year so learn how to
comply and save right now.
*Assumes providers accept
usual and customary rates of standard carriers and underlining benefits are
sufficient to cover the major medicals underlining cost sharing requirements.
Typically we use your same insurance carrier. Results vary based on enrollment
status and demographics. Based on low reimbursements this type of benefit will
be hard to find in the near future and deductibles increase and benefits
This site is used for part-time, seasonal, independent contractors or any
employer/union where employees pay 100% for their healthcare benefits. Employers
save approximately 10% on every dollar the employee contributes on a pre-tax
basis through payroll. Direct billing is available for larger groups. A
fantastic added value, morale boaster, retention program for restaurants,
hotels, truck drivers, adjunct teachers, realtors, construction companies, golf
clubs, unions and every employer that has a segment that cannot qualify for or
are not offered group health benefits. Guaranteed issue and immediate coverage
for pre-existing conditions on cash indemnity plans allows you to cover
ALLOWING EMPLOYEES TO PAY FOR QUALIFIED PLANS WITH PRE-TAX DOLLARS SAVES
EVERYONE MONEY! CLICK HERE
21st Century Insurance Wrap
This site is primarily used for 20+ groups or to demonstrate how the
bundling of cash indemnity benefits with existing health plans can reduce
overall costs, give first dollar benefits to participants or management-only
groups while allowing incentives to directly cover participants to select
generic verses brand name drugs, use preventative services, select network
providers and use of personal care physicians over specialists when first
getting treatment. It also solves a rising issue of obtaining services
out-of-network with cash benefits regardless of where services are given.
Guaranteed issue, coverage for pre-existing conditions and low participation
requirements opens the door to considerable savings on total premiums and
shelling out after tax dollars on medical expenses.
When the employee pays the majority of cost, we dominate in offering Choice, Convenience and Savings. Call for your customized proposal.
Let's Compare |
|| 400 |
|Income After Taxes
|| 0 |
||$ 833 |
||$ 123 |
||x 12 |
||= $1,476* |
*This is for illustration purposes only. Actual savings may vary.
Generate upwards of 30% added savings using our tax savings administrative
services. FSAs, HRAs and HSAs are some of the preferred services that can be
communicated and implemented in your group. Eliminate taxes on many non-covered
expenses, give employees a pay raise while the company reduces matching payroll
taxes. Our low administration fees and unique funding is unmatched in the
industry. Medical reimbursements can be directly deposited within 24 hours into
your checking or savings account or use our debit MasterCard at the time of
service. Dependent care and public transportation comes at no extra cost.
By using our suggested benefits strategy, employers obtain a fixed benefits
expense, proper compliance with state and federal laws and overall employee
satisfaction with their benefits package
Family owned companies and the self-employed also save big.
Section 105 Tax Advantage |
Without Section 105
With Section 105|
(Health & Long-Term Care)
(Health & Long-Term Care)
|$10,000 x 100%
||$10,000 x 100% =
|Federal & State Tax Rate
||Federal, State, & SE Tax Rate
|$10,000 x 18% =
||$10,000 x 33.3% =
|$3,000 x 0%
||$3,000 x 100%
|Federal & State Tax
||Federal, State, & SE Tax
|Tax Savings =
||Tax Savings =
|Total Tax Savings
||Total Tax Savings
Our Service area includes:
Atlantic, Bergen, Burlington, Camden, Cape May, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Ocean, Passaic, Union, Salem, Somerset, Sussex
Including: Newark, Trenton, Vineland, Atlantic City, Secaucus
Manhattan, Staten Island, Long Island
Bucks, Montgomery, Lehigh, Northampton, Philadelphia
Including: Bensalem, Bristol, Doylestown, Fort Washington, Lahaska, Langhorne, Levittown, Yardley, Newtown, Morrisville, Lower Makefield, King of Prussia
Free Group Quotes | Free Personal Quotes | Tax Savings Plans | Services Offered | Why Choose Us
Consumer Awareness | Partner Links | About Us | Client Services | Contact Us | Testimonials
Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.
Representing all admitted carriers in the Tri-State area: Aetna, AIG, Amerihealth, Blue Cross Blue Shield, Celtic, Cigna, Coventry Health, Genworth, Empire, Healthnet, Horizon Blue Cross, IBC, Impendence Blue Cross, Metropolitan Life, Oxford, Prudential, The Guardian, United Health Care, US Financial, Wellchoice, West Coast Life, We offer affordable group health insurance services to small businesses located in the following Pennsylvania counties and cities: Philadelphia County, Delaware County, Montgomery County, Chester County, Bucks County, Lehigh County, Berks County, Lancaster County, York County, Emmanus, Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville,Wagnersville, Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North Catasauqua, Stroudsburg, Springfield, King of Prussia, Woodlyn, Chester, Norwood, Ridley Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon,Upper Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone,Landsdowne, Fernwood, Milbourne, Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley, Bala-Cynwyd,Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland,Swedesburg, Bridgeport, Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North Hills, West Conshohocken,La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown,Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington, Feltonville, Frankford, Olney, Andalusia, CornwellsHeights, Bridgewater, Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West Bristol, Strafford, Devon, Berwyn, Port Kennedy,Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading,Allentown, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree, Paoli,Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue Bell, Center Square, Fort Washington, Philadelphia, Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler,Lower Gwynedd, Washington Crossing, New Hope, Richboro, Feasterville, Southampton, Langhorne, Holland, Newtown, and Yardley, PA. We also offer affordable group employee health insurance services to businesses located in the following Delaware counties and cities: Castle County, Kent County, Sussex County, Newark, Claymont, Middletown,Dover, Milford, Georgetown, Seaford, Yorklyn, Centerville, Talleyville, Greenville, Newport, New Castle, Hillcrest, Elsmere, Penny Hill, Graylyn Crest, Ardentown, Hockessin, Delaware Heights, Devonshire, Arden, Fairfax, Dunleith, Meadowood, Sherwood Park, Wilmington Manor, Lancaster Village, Ashland, Penn Acres, Green Acres, Darley Woods, Wilmington Gardens, Ogletown, Delaware City, Woodland Beach, Bay View Beach,Wilmington, DE; as well as offering group insurance services in the following New Jersey counties and cities: Mercer County, Burlington County, Camden County, Gloucester County, Salem County, Cumberland County, Atlantic County, Camden, Vineland, Ewing, Cherry Hill, Pennsauken, Willingboro,Collingswood, Palmyra, Delran, Cinnaminson, Moorestown, Riverside, Gloucester City, Bellmawr, Runnemede, Burlington, Edgewater Park,Haddonfield, Maple Shade, Princeton, Mercerville, Slackwoods, Yardville, White Horse, Mansfield, Atlantic City, Margate City, Ocean City, and Trenton, NJ Atlantic County, Bergen County, Burlington County, Camden County, Cap May County, Cumberland County, Essex County, Gloucester County, Hudson County, Hunterdon County, Mercer County, Middlesex County, Monmouth County, Morris County, Ocean County, Passaic County, Salem County, Somerset County, Sussex County, Union County, Warren County
Products and PA_NJ_NY_Service_Hightlights.htm: Group Insurance, Health Insurance, Dental Insurance, Disability Protection, Long Term Disability, Short Term Disability, TDB, STD, Life Insurance, Long Term Care, Cancer coverage, Critical Illness insurance, Hospital Indemnity Insurance, Gap Insurance, Mini-Med plans, Medicare Advantage, Medicare Supplemental Coverage, Retire Health, Prescription coverage, Medical Insurance, 21st Century Healthcare, Tax Savings Vehicle, Section 105, Section 125, Cafeteria Plans, Premium Conversion Plans, Premium Only Plans, Health Savings Account, Health Reimbursement Accounts, Transportation Accounts, Dependent Care Accounts, Self Insured Plans, Supplemental Plans, Accident Plans, Human Resource Tools, Employee website access, Benefit Statements, Salary Illustrations, Enrollment and Communication services, Dedicated enrollers, Shipping, Tax Savings, Payroll Services, Retirement Savings, Financial Planning, Annuities, 401K, IRA, Roth IRA, Pension, Employee Benefits, Voluntary, Employer Paid, Medical, Term Life Insurance, Vision, Laser Vision Correction, One Stop Benefits, 1 Stop Benefits, One Stop Benefit, 1 Stop Benefit, 1StopBenefit, OneStopBenefit, 1StopBenefit.com, OneStopBenefits.com, OneStopBenefits, Insurance Quote, Online insurance Quote, Social Security Benefit, Long Term Care , Individual Health, Affordable Family Health Insurance, Free Insurance Quote, Medical Dental