Work/Life
Programs: Provides directional guidance both telephonically and
online for critical areas such as Childcare; Parenting; and
Elder Care issues. The program also provides information on
Legal, Financial Guidance (credit counseling, taxation,
budgeting and accounting), Educational Resources, Adoption and
other work/life topics. (Available to Employers,
Affinity Groups, Associations, Unions and Credit Unions).
Employee
Assistance Program (EAP): Provides a platform for employees
and family members, to deal with behavioral, psychological,
and substance abuse issues that have impact on their daily
life. Billions of dollars are lost to employers each year in
productivity, due to these devastating issues. (Available to
Employers, Affinity Groups, Associations, Unions, and Credit
Unions).
Patient Care
Advocacy: An important Employer/Employee benefit which helps the
employee, his/her family deal with the healthcare maze, claims
and procedures that should be covered but are not, locating top
doctors and facilities for certain procedures, etc. Helps the
employer with the new HIPAA regulations, as well as helping the
employee focus on their job and not on solving their personal
issues at work. (Available to Employers, Affinity Groups,
Associations, Unions, Credit Unions and Individuals).
Flex Convenience
Card (FSA Debit Card): Allows Employees to pay pre-tax for
expenses such as Childcare, Dependent Care and Un-Reimbursed
medical expenses through a flexible spending account using a
Visa/MasterCard smart card. Helps employees avoid “double
dipping”, increases their participation and productivity. This
program saves employers on their Corp. Payroll tax.
(Available to Employers only).
Identity Theft
Benefit: Provides 24/7 access to fraud resolution counselors who
will assist employee/member in contacting creditors and
agencies in recovering their identity when ID Theft occurs.
Program can also include psychological counseling to members
when the stress and the magnitude of the situation warrant it.
Program provides many other services to help employee/member be
more productive while the ID Theft Program handles most of the
legwork. (Available to Employers, Affinity Groups,
Associations, Unions, Credit Unions, and Individuals)
Eldercare and
Geriatric Care Coordination: One of the fastest rising
productivity issues facing employers. Provides care
coordination, geriatric care management and discounts on home
health, assisted living, and nursing home facilities. This stand
alone benefit is ideal for employees/members who cannot afford
long term care insurance, have been declined, or want to provide
a supplement to an existing policy. Employees/members can
purchase for themselves or family members (parents, in-laws,
etc.) (Available to Employers, Affinity Groups,
Associations, Unions, Credit Unions & Individuals).
Supplemental
Employee-Paid Benefits:
Voluntary Payroll
Deduction Insured Plans: No-Cost programs for the Employer,
offering coverage for the employee and family through payroll
deduction with simplified underwriting. Supplemental Insurance
programs include: Short Term Disability, Critical Illness, Term
and Permanent Life Insurance, Accident, Legal, and Hospital
Income Plans. Non-Insured Plans, such as legal and financial,
discount health cards, pet care. Etc. also provide additional
value added to the overall benefits package. (Some voluntary
programs are available on an individual basis to Affinity
Groups, Associations, Unions, and Credit Unions).
Payroll Deduction
Computer Purchase Programs: Unique benefits program that
allows an eligible employee to purchase state-of-the art
Desktops and Laptops from Dell, Gateway and Compaq/HP
conveniently through Payroll Deduction over a 12-month period
currently at 0% financing. All eligible employees are guaranteed
for acceptance regardless of credit. Program promotes retention,
and recruitment of employees as well as a more computer literate
workforce with this new employee benefit. (Available
primarily to Large Employers and some Unions and Credit Unions).
Private
Label/Co-Branded Health Discount Savings Card:
This program provides unlimited discounts with no claim forms,
waiting periods or pre-existing condition limitations on
healthcare services such as Dental, Vision, Chiropractic,
Alternative Medicine, 24 Hour Nurse Line, Physicians and
Hospitals and many other benefits. The Discount Card fills in
gaps that existing benefits have, as well as substantial
discounts to those employees/members who have little or no
coverage (i.e. part-time) Finally, this program pays in addition
to any existing coverage a member may have. (www.dentachoice.com/rsichoice) (Available to Employers, Affinity Groups, Associations,
Unions, Credit Unions, and Individuals).
Limited Medical
Plans: Provides affordable Limited Medical Insurance for
Part-Time Employees, Temporary Employees and COBRA Eligible
Employees as an alternative to costly major medical plans.
Program allows use of any Doctor or medical facility. The plan
also includes discounted services such as Dental, Vision RX,
Chiropractic, Alternative Medicine and Physician Discounts to
enhance the benefits package. Employees can enroll themselves
and their immediate family members. (www.resohealth.com)
(Available to Employers, Affinity Groups, Associations,
Unions, Credit Unions and Individuals).
Short-Term
Medical: Provides short term major medical coverage from 6
months to 3 years. Plans are an affordable alternative for
people in their waiting period for employer coverage, on COBRA,
college students out of school and looking for work, and
part-time or temporary employees who cannot afford traditional
major medical coverage. (Available to Employers, Affinity
Groups, Associations, Unions, Credit Unions, and Individuals).
End Of Life
Planning: The only online offering of funeral planning, plan
storage, plan retrieval, and plan communications. Staffed with
funeral experts, hospice trained grief counselors, and end of
life coordinators. Deep discounts on funeral merchandise as an
alternative to traditional funeral homes. This program provides
pre-need, imminent need, at-need, and post-need funeral
assistance to any family, anywhere in the country. (Available
to Employers, Affinity Groups, Associations, Unions, and Credit
Unions).
Employer/HR
Benefits:
Payroll
Debit/Transfer Cards: A unique program that allows an employees’
paycheck to be loaded onto an FDIC Visa Debit Card as a direct
deposit vehicle. This program is ideal for employees who are
un-bankable, as well as those employees who have children in
college. This program also allows transfers both domestically
and internationally and has an overdraft feature. Employers can
save money in a number of areas, such as printing and
distribution of checks, Express Mail services where there are
many corporate locations, as well as other savings. Card can be
used at any ATM as well as point of sale purchases and comes
with benefits such as Discounts on Vision, and Diagnostics,
X-Ray, Lab, and Imaging networks. (Available to Employers,
Affinity Groups, Associations, Unions and Credit Unions).
MaxUM Unreimbursed Medical Expense Plan: A patent pending methodology
that leverages payroll taxes and other vehicles which allow an
employer to Cost Shift healthcare premiums to employees while
offsetting the employees’ economic loss by funding Medical
Expense Reimbursement Accounts, thus creating a total
compensation package equaling the employees’ total spendable
dollars before the cost shifting took place. It is a win-win
for everyone and may even allow for more benefits at no extra
cost to the employer. (Available to Employers and Business
Associations).
Employee Benefits
Billing and Administration: A simple, innovative premium
administration system that consolidates all employee benefits on
one platform and provides benefit communication that makes
managing and adding employee benefits easier. (Available to
Employers only).
Retiree Medical
Benefits: An affordable alternative that allows employers to
offer retiree medical benefits as a carve-out rather than as
part of existing group insurance plans. This option is similar
to a Medicare supplement but offered on a voluntary group basis,
and reduces employer liability for funding future benefits.
(Available to Employers, Affinity Groups, Associations, Unions,
and Credit Unions).
Employee/Customer
Incentive/Rewards Program:
Cash Back Shopping Rewards Mall: | An
affiliate shopping and referral rewards program that pays the
member cash back on their purchases and referrals at over 1000
stores, at the same pricing as going direct to the stores
online. Services, such as Identity Theft, discount health
savings, long distance and other valuable services. This
program can be used as a free membership giveaway to employees,
customers, vendors etc. (www.cashbackmall4u.com)
(Available to Employers, Affinity Groups, Associations, Unions,
Credit Unions, other Not-For-Profits for fundraising, and
individuals).
Mini-Vacations:
High value/Low cost travel packages to dozens of destinations,
including cruises, for retention, recruitment, and rewarding
employees/customers. Packages of 2, 3, 4, and 7 nights provide
higher perceived value than cash incentives which are spent
immediately with no lasting perceived value. Executive programs
are also available through the Discount Travel Club that
utilizes real time Condo Accommodations. (www.travelclubdiscounts.com,
user name "rsiclub" password "member") (www.p-t-p.com) (Available to Employers,
Affinity Groups, Associations, Unions and Credit Unions).
Perks Program:
Provides unlimited discounts to employees/members where they
work, live and travel. With thousand of local and national
vendors participating, employees/members can save hundreds of
dollars on Restaurants, Movies, and Amusement Parks etc. by
presenting their Perks Card. (Available to Employers,
Affinity Groups, Associations, Unions and Credit Unions).
Stand Alone
Benefits:
4 Tier RX Co-Pay
Card: This program covers more than 4,000 drugs up to $10,
$20, and $40 fixed fees, with negotiated discounts on
non-formulary drugs. Mail order service is available for
maintenance medication. A fully insured carve out RX Plan can
be designed at a savings over existing PBM. This program can be
a great benefit for Medicare recipients, retirees, employees
with high deductible plans or limited medical plans. (Available
to Employers, Affinity Groups, Associations, Unions, Credit
Unions, and Individuals)(www.resohealth.com)
Select Dental
Plan: An affordable dental plan that combines $1.000 of
insurance and a PPO Dental network with over 50,000 dentists
nationwide. Once the $1,000 benefit is reached, the
employee/member can continue receiving unlimited discounts on
all dental procedures ranging from 20%-40%. This plan can save
employers over traditional expensive dental insurance, and can
provide employees additional dental coverage on top of their
existing, limited dental benefits. (www.resohealth.com)
(Available to Employers, Affinity Groups, Associations,
Unions, Credit Unions, and Individuals). (Not available in all
states)
LXD Discount
Plan: Provides 30%-70% discounts on Diagnostics, Imaging,
X-Ray, and Lab procedures such as PSA tests, Pap Smears, MRI,
CT Scan etc. Unlimited benefit, no claim forms, no pre-existing
condition limitations. Ideal benefit for self-funded plans,
TPA’s, Insurance Carriers as well as part-time employees and
employees with little or no healthcare coverage and employees
with high deductible (i.e. HSA’s) plans. (Available
to Employers, Affinity Groups, Associations, Unions, Credit
Unions, and Individuals).
International/Travel Medical Plans: With many health insurance
plans not covering foreign travel, or even outside its region,
this program provides a valuable benefit to those employees
(Executive and Rank and File) when traveling outside their
coverage area. Other plans such as Permanent Major Medical and
Immigrant Medical Insurance can cover the family members of
employees who are visiting or planning on staying in the United
States. (Available to Employers, Affinity Groups,
Associations, Unions, Credit Unions and Individuals).
