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"Personal help with important health insurance decisions"



 
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OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and help with health care reform questions with two fast and free support options:

Online support:
OnlineNavigator
is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.

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Ancillary benefits

a range of benefit options to improve the overall value we get from our employee benefits

The term "ancillary benefits" is a non-specific term that refers to a range of optional benefits, usually offered on a salary-deducted basis, that are not directly related to the health plan. Retirement planning, individual financial planning, telemed services, wellness programs, personal training, weight management and smoking cessation programs.

The national leader is Careington with a wide range of dental, vision, and telemedicine plans.

Telemedicine call be added to any employee group health plan through CallMD. Individuals can get the same service when they enroll in Value Med supplemental health insurance. A range of employee wellness programs are available based on the location of your business.

The dental/vision/hearing plan issued by United Commercial Travelers is a popular multi-benefit plan that can be combined with (and pays in addition to) any other insurance. This plan  is available to individuals and businesses.

The IRS provides specific tax guidance on a wide range of ancillary employee benefit options including:

  • Accident and health benefits
  • Achievement awards
  • Adoption assistance
  • Athletic facilities
  • De minimis (minimal) benefits
  • Dependent care assistance
  • Educational assistance
  • Employee discounts
  • Employee stock options
  • Employer-provided cell phones
  • Group-term life insurance coverage
  • Health savings accounts (HSAs)
  • Lodging on your business premises
  • Meals
  • Moving expense reimbursements
  • No-additional-cost services
  • Retirement planning services
  • Transportation (commuting) benefits
  • Tuition reduction
  • Working condition benefits

 

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.