We are proud to be
the preferred vendor
for many independent, small
and large employee benefits
consultants nationwide.

general agency division

We are proud to be the preferred vendor for many independent, small and large employee benefits consultants nationwide.

General Agency Division now available

Individual/Family · Medicare · Group Health

We are excited that we are adding a new General Agency (GA) division to put our award winning nationwide network to work for you.

We partner with best in class vendors offering self funded plans, ICHRA and RX Strategies to name a few. Many of our alternatives are available in other markets outside of KY, IN and OH our current footprint. Our team wants to share what others are doing to address your same concerns. Don’t just rely on the same old carriers. Now is the time to ask what other options are available.

We have listened to our clients, consultants and carriers for many years. The common theme is the system is fundamentally broken and incentives do not align. Our team of Medical Doctors, Pharmacists and Seasoned Insurance Consultants will align incentives For You the Employer!

Now is the time to ask for alternatives to the traditional carrier double digit increases. OHS asked and found an alternative that saved our small group of five insureds 17k first year. Many other examples available.

As a General Agency we serve as intermediaries between insurance carriers, consultants and employers. We do not typically sell directly to consumers, but help consultants deliver robust benefits packages to client companies.

general agency division

These benefits might include:

benefits
  1. Group Health Insurance Plans
  2. Dental and Vision Plans
  3. Life and Disability Insurance
  4. Voluntary Benefits (e.g., accident, critical illness, pet insurance)
  5. Compliance Support (COBRA, ACA, ERISA)
  6. HR and Benefits Technology Platforms
  7. Enrollment Services
  8. Underwriting support and quoting tools
  9. Preventive Health Screenings
  10. Wellness Programs

In our role, the General Agency is not the end provider of benefits but plays a crucial role in enabling consultants and employers to access and manage these offerings.

One Partnership. Total Business Health.

We offer two strategies for Self-fund groups and Fully Insured groups.


ICHRA (1-100+ Employees)

  • Employer sets fixed contribution budget stability
  • Employees choose marketplace coverage
  • Voluntary benefits add protection
  • Integrated OHS health screenings
Learn More


WOOP (50+ Employees)

  • $0 deductibles and $0 copays inside the WOOP network
  • Anchored by Direct Primary Care + Telehealth
  • Self/Level-funded with stop-loss protection
  • Wellness + care navigation steer employees
  • Rx wholesale savings reduce drug costs
Learn More

Level Funded
WOOP (10+ Employees)

Big Company Strategies for Small to Mid-size Businesses

  • Standard Copay or HDHP/HSA Plans
  • Direct Primary Care integration + $0 Generic Rx + $0 Annual Labs
  • Dedicated Care Team & 24/7 Concierge Access
  • Offer of either a PPO Network or hybrid reference-based pricing (PPO for Dr’s + RBP for facilities)
  • Focus on groups between 5 and 250 employees
  • Maximizes options for specialty medications to reduce member & plan liability
Learn More