Traditional Benefit Plans

Traditional & Insured Benefit Plans are available through Parish Insurance and Financial Services Inc.
We challenge ourselves to always find ways to add exceptional value for our clients and their personnel.

Benefit Fusion

A fully customized HYBRID benefit plan solution providing the financial security of traditional “Insurance-Based” Benefit programs combined with the flexibility, cost savings & certainty of a self insured Health Spending Account.
Let us help you identify the perfect blend between insured and self insured benefits for your organization and the result will be reduced costs for the employer coupled with increased value and flexibility for you and your employee’s.

Plan Design

Proven plan design methods often utilizing a “transfer of risk” strategy will not only reduce benefit costs on an ongoing basis but helps to moderate or even eliminate the volatile rate changes so often associated in the small group market.

Diverse product selection: Including but not limited to:

• Global and US based business travel plans provide comprehensive health care with no pre-ex clauses.
• Health Spending Accounts and “Executive Cost Plus” programs available from Innovative Benefits Inc.
• Group Life; Disability; Critical Illness; Extended Health and Dental programs available from numerous Insurance Carriers and “Third Party Administrators”.
•  Fully Pooled group health and dental programs when appropriate.
•  High Value Employee & Family Assistance Programs and 2nd Medical Opinion Programs.

Superior communications

Automated monitoring and reporting of plan performance: Our 6 and 9 month utilization reports make for a highly proactive service so that surprises are non existent and claim trends can be identified well in advance of a renewal. Renewal reports provide detailed analysis of claims, and potential risks, non evidence maximums and rate trends.

A comprehensive and unique service offering for your plan members: 

• Each plan member is entitled to an introduction to their benefits by our Plan Member Advisory team to include consultation on how their benefits coordinate with their other plans.
• A unique, customized “employee benefit guide” communicating many important aspects of your plan. Ensures maximum value and promotes buy in from the employees, helping to increase cost awareness and appreciation.
• Complimentary, Health and Wellness newsletter from Parish Financial in both Electronic and paper format.

Our in house dedicated service specialist for your plan administrator ensures that any questions inquiries or issues are resolved in a friendly, efficient and timely manner.

How to get started

Just like we do for all our valued customers- We would be happy to conduct a comprehensive review & audit of your benefit programs to include all aspects of the plan such as claims utilization and trends; pricing, plan design evaluation; plan administration and procedures; we then identify opportunities for cost reductions through self insured (ASO) strategies.  Benefit from our over 40 years of group benefit experience and time tested industry relationships.
Our service model for small to medium sized companies of fewer than 300 employees’ is unrivaled in the industry.