Products and Services

It’s not easy finding integrated benefits and health management solution-focused support. We’ll help your organization develop an innovative, yet practical, strategic plan that realizes rewards by reducing risk. This plan, coupled with our implementation skills and guidance, will provide a sound, cohesive approach to benefits and health management – an approach that aligns partners and resources around a data-driven agenda for cost management and health improvement.

Here are some of the many products that Oswald Companies provides. And all are offered on a self-insured or fully-insured basis.

Group medical programs

• Health maintenance organization (HMO) plans
• Insured indemnity plans
• Point-of-service (pos) plans
• Healthcare reimbursement accounts (HRAS)
• Preferred provider organization (PPO) plans
• Self-insured plans
• Minimum premium plans
• Stop-loss insurance
• Section 125 plans

Group life and disability coverage

• Short-term disability
• Long-term disability
• Carve-out life
• Carve-out disability
• Executive life
• Executive disability
• Travel accident
• Special risk coverage
• Long-term care plans

Group dental and vision plans

Dental

• DHMO
• PPO
• POS
• Indemnity-style plan from all major carriers

Vision

A variety of plans with various co-pay and allowance amounts, including but not limited to, the following benefit frequencies:

• 12/12/12
• 12/12/24
• 12/24/24
• 24/24/24

Voluntary benefits

• Dental
• Vision
• Disability: STD, LTD, IDI
• Life/AD&D
• Long-term care
• Group legal
• Group accident policies

In conjunction with the products mentioned above, Oswald Companies will provide your company with a dedicated, multi-disciplinary team of benefits professionals to provide superior service in the following areas:

• Consulting
• Brokerage activities
• Reporting/data management
• Risk analysis
• Underwriting
• Plan design modeling
• Renewal negotiation
• Education
• Communication
• Plan service
• Strategic relationships (legal, actuarial)
• Health management
• Enrollment services
• Benefits technologies