Products & Services

We provide our clients with Integrated Benefits and Health Management solution-focused support.  We will help your organization develop an innovative, yet practical strategic plan.  This plan, along with our implementation expertise and guidance, will provide a cohesive approach to benefits and health management that aligns partners and resources around a data-driven agenda for cost management and health improvement.

Represented below are some of the many products that Oswald Companies provides.  All products 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
  • Health Care Reimbursement Accounts (HRA’s)
  • Preferred Provider Organization (PPO) plans
  • Self-insured plans
  • Minimum premium plans
  • Stop-loss insurance
  • Section 125 plans

Group Life insurance & 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 copay 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 provides each of our clients with a dedicated, multi-disciplinary team of benefits professionals to provide superior service in the following areas:

• Consulting • Benefits Technologies
• Brokerage Activities • Education
• Reporting/Data Management • Communication
• Risk Analysis • Plan Service
• Underwriting • Strategic Relationships (legal, actuarial)
• Plan Design Modeling • Health Management
• Renewal Negotiation • Enrollment Services