The Benefits Advisory Council (BAC) is a part of Breakthrough Financial. Through BAC, we have gone to great lengths to assure that we have the best possible organizational structure, people, products/rates, support systems, service/claims organization, and follow up programs to meet the needs of the small to mid-sized employers and their HR departments.  Our approach is both unique and simple to assure that we meet the needs of all parties. We think you and your employees will agree!

Below is an outline of our step by step process to get more from your benefit plan:

Employer Provided Group Plans provide health insurance and other types of coverage to business owners, employees, and their dependents, and are partially or fully funded by the Employer.

One of the main advantages of small employer group plans is that a single person is not responsible to pay all the cost of the plan. This type of plan is designed to work on a partnership basis so costs are shared between the employees and the business owners. In today's times, rates of most health insurance plans are very high so, a person would prefer to work for an organization that is paying about 50% of his medical expenses. Benefits Advisory Council can offer several group coverage plans including:

• Medical*
• Dental*
• Vision*
• Prescription Drug *
• Consumer Driven Health Plans (CDHP)*
• Qualified High Deductible Health Plans (QHDHP)*
• Health Savings Accounts (HSA)
• Health Reimbursement Arrangements (HRA)
• Medical Savings Account (MSA)
• Group Term Life (GTL)
• Short Term Disability (STD)
• Long Term Disability (LTD)

*Fully Insured or Self-Funded / ASO (Administrative Services Only) plans with Stop-Loss coverage