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Welcome to 1StopBenefits!  We offer lower costs with no loss of benefits using brand name products you can rely on.

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 guarantee success. 

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
telephone response!
Services Supported:
 Free Premium Only Plan Contract  Section 105 HRAs & Health Savings Accounts
 Self or TPA COBRA Administration  FSA Adm with No Direct Company Funding
 Payroll Services with Debit Cards  24/7 Nurse Hotline 
 Customized Online Enrollment  Quality Check Hospitals and Facilities 
 Employee Handbook Software  Labor and Enployment Posters
 Cost Comparisons Doctors & Rx  24/7 Nurse Hotline 
 Customized Employee Website Services  Medical Advocate Wallet Saver
Go to Why Us for more services that come standard for all our clients

Your core group health insurance plan
can be supplemented with many of these products:
Cancer Insurance Critical Illness Plans
Dental Insurance Disability Income Protection
Life Insurance Long Term Care
Pension Plans Residential Electric Supply Discount
Min-Med Health Programs for Part-time  Identity Theft Group Training
Accident Plans up to $15,000 in benefit  Identity Theft Individual Plans
Medical Gap Indemnity Insurance Pre-Paid Legal Plans
Mini Med Programs Stand Alone Prescription Plans
Employees have access to a voluntary benefits portfolio featuring
no participation requirements and level costs from their inception.

1Stop Benefits, Inc. Employee Exchange
Click Here
for the first private benefits exchange to eliminate minimum participation and contributions rules while saving employers and employees money on comprehensive benefits.

Click Here for UNLIMITED, 24/7 access to the healthcare you need from the comfort and convenience of your phone or computer, PLUS savings on prescription drugs, labs, vision, dental & more
Click Here for UNLIMITED, 24/7 access to the healthcare you need from the comfort and convenience of your phone or computer, PLUS savings on prescription drugs, labs, vision, dental & more.

One concept that has consistently lowered costs over the past 12 years is 21st Century Healthcare.

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 limited funds?

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:

Current Plan
21st Century Solution
POS or PPO You Pick
  In Network Out of Network In Network *Out of Network
Office $10/40 Copay Deductible Coinsurance 100% 100%
Hospital $250/5 days Deductible Coinsurance 100% 100%
Prescriptions 10/25/50 Copay 100% 100%
Family Cost $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 website 21st Century Wrap

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 decrease.

21st Century Health Insurance

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 employees anywhere.


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
Salary $1,600  $1,600 
Flex Dollars         0      400 
Taxable Income 1,600  1,200 
Income Tax 240  180 
State Tax 128  96 
Social Security 122  91 
Income After Taxes 1,110  833 
Medical Premium 150   
Medical Expenses 50   
Dependent Care     200          0 
Take-Home Pay $   710  $   833 
Net Increase    $  123 
Pay Periods   x 12 
Annual Increase   = $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
Premium Deduction
(Health & Long-Term Care)
100% Premium Deduction
(Health & Long-Term Care)
$10,000 x 100% $10,000 $10,000 x 100% = $10,000
Federal & State Tax Rate 18% Federal, State, & SE Tax Rate 33.3%
$10,000 x 18% = $1,800 $10,000 x 33.3% = $3,300
Tax Savings $1,800 Tax Savings $3,330
Non-Insured Expenses 0% Deductible Non-Insured Expenses 100%
$3,000 x 0%   $3,000 x 100% $3,000
Federal & State Tax   Federal, State, & SE Tax 33.3%
Tax Savings = $0 Tax Savings = $1,000
Total Expenses $13,000 Total Expenses $13,000
Total Deduction $10,000 Total Deduction $13,000
Total Tax Savings $1,800 Total Tax Savings $4,330

Our Service area includes:

    New Jersey
    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

    New York
    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


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1546 Old Farm Court
Yardley, PA 19067
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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,,, OneStopBenefits, Insurance Quote, Online insurance Quote, Social Security Benefit, Long Term Care , Individual Health, Affordable Family Health Insurance, Free Insurance Quote, Medical Dental


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