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PAN American Life
United Healthcare

Health care is more than just insurance. It's a program that provides access to services, as well as financial protection from catastrophic illnesses or accidents. We'll help you create a well-rounded program that provides access to routine medical care (including dental and vision care), as well as protection in the event of the unexpected.


These are just a few of the health care benefits that we offer:


  • Group medical plans from major carriers, coast-to-coast.
  • Dental plans (including low cost HMO plans).
  • Vision plans (including VSP and Davis Vision).
  • Accident and illness plans to cover deductibles and out-of-pocket expenses.

Don’t lose sight of the most important asset: your business and the employees that make it all work.


More important than health insurance is income protection that protects you, your business, and your employees in the event of a death of disability.


We offer financial protection plans in the following forms:


  • Income Protection via Short-Term and Long-Term Disability Insurance.
  • Life Insurance with group and individual term and permanent insurance.
  • Business Overhead Insurance to insure your payroll and operating expenses.

In today’s world, high deductible health plans (or HDHPs) are commonplace. This means that your employees need access to financial tools (often referred to as "Care Accounts") that will allow them to use tax-free dollars for basic medical, dental, and vision expenses.


Care accounts can also be used to cover out-of-pocket expenses that are not covered by your insurance plans or are applied to deductibles and coinsurance.


We provide access to the following accounts (as well as handle all of the administration!):


  • Health Savings Account (HSA).
  • Health Reimbursement Arrangement (HRA).
  • Flexible Spending Account (FSA).