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Medical Benefits Options

Our Broad range of benefit options provide employees the added financial protection they need.

Employer Sponsored:

  • Medical, Dental, Vision, ST & LT Disability, Life, & EAP

Voluntary Options:

  • Accident Insurance helps offset unexpected covered medical expenses, such as emergency room fees, deductibles, and co-payments that can result from a fracture, dislocation, or other covered accidental injury. A health screening benefit is available.

  • Cancer Insurance helps offset the covered out-of-pocket medical and indirect, non-medical expenses related to cancer that most plans don’t cover. A cancer screening benefit is also available.

  • Short Term Disability Insurance replaces a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.

  • Hospital Confinement Indemnity Insurance provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery to assist with co-payments and deductibles that are not covered by most major medical plans.

  • Critical Illness Insurance supplements your major medical coverage by providing a lump-sum benefit you can use to help pay the direct and indirect costs related to a covered critical illness. A health screening benefit is also available.

  • Life Insurance enables you to tailor coverage for your individual

Cost Management Strategies

We can help Businesses overcome financial stress from the most recent changes from ACA and provide options to control benefit costs.



               Section 125 and Flexible Spending accounts

  •  Dependent reviews become strategic cost reduction strategy

  • Health plan design changes


               One of the most widely adopted cost management strategies

  • Our suite of employee-paid voluntary benefits can offset any new or increased out-of pocket expenses an employee may need to cover

Benefits Communications
& Education 

IN4ORMED Benefits Solutions views enrollment as the most integral part of the benefit selection process. During this process we spend one-on-one time with every employee educating them of their options so that they completely understand the policies they are choosing.


We work with your company to plan a time and place for enrollment that is best for you and your employees. We make sure your employees are empowered with the knowledge to make an IN4ORMED decision. Our no pressure commitment guarantees that we don’t “sell” products but build relationships for the long term. In fact, our team is as engaged after the enrollment process as we were before.


Our revolutionary web-based “Harmony” technology allows IN4ORMED Benefit Solutions to show each employee the value of every pre-tax or after-tax benefit selection plus how it affects their paycheck and how the amount changes based on their selections.


Our portfolio is made of products from Colonial Life. They are #1 in areas such as; availability of coverage for spouses, benefits paid directly to employees, continuing coverage after retirement and availability to receive coverage regardless of any insurance coverage they may have in place.

HR & Administrative
Time Savings

We help employers simplify the benefits process and save them valuable time.

Core and voluntary enrollment administration

  • Help your employees UNDERSTAND and appreciate the benefits you provide

  • Our Harmony enrollment capabilities can work with a wide range of benefit admin and HR systems, for a fully seamless enrollment and admin service. No need to gather paper applications


Review and update employee information

  • Eligible Dependent Verification


HR administrator Website and E-Services for easy billing, remittance and claims

  • Deduction file submission: save time, achieve greater bill accuracy and receive quicker application of your premiums.

  • Online bill and payment, View, Print and download current and past bills

  • CCH HR Answers Now, an online HR resource

  • Policyholder Services: File Claims, Check claim status, view Policy information

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