Employers of every size
Group medical, dental, life & ancillary.
Four building blocks of a group benefits package — explained simply. Paperless open enrollment, year-round service, and no extra open enrollment fees. Licensed in California, Arizona, and Utah. CA License #0C10932.
30 years serving employers · Year-round service · No extra OE fees
Coverages
The four products, at a glance
You care about your employees. We care about protecting them. Tap a product for what it covers, how it is sold, and who it fits.
Medical
Group health plans for everyday care, specialists, hospital, and prescriptions.
See detailsDental
Preventive cleanings plus coverage for fillings, extractions, and major work.
See detailsLife
Group term life and AD&D so families have a safety net if the unexpected happens.
See detailsAncillary
Vision, disability, accident, and critical-illness plans that round out the package.
See detailsMedical
Group medical that fits the team you actually have.
Medical is the core of most group packages. We shop fully insured plans and, when it makes sense, level-funded or self-funded options so premiums stay in line with how your group uses care.
Who it fits
Employers of all sizes. Groups of about 15–100 often fit special programs; smaller and larger groups are quoted case by case.
Quote MedicalWhat it covers
- Doctor visits, urgent care, and specialists
- Hospital, surgery, and emergency services
- Prescription drugs and mail-order pharmacy
- Preventive care such as annual exams and screenings
- Mental health and substance-use benefits as required
How we set it up
- Fully insured PPO, HMO, and EPO-style plans through major carriers
- Level-funded and reference-based pricing for groups that want more cost control
- Plan designs with different deductibles, copays, and networks
- Help comparing total cost — not just the monthly premium
Dental
Dental people will actually use.
Employees notice dental. A simple group dental plan covers the visits they already make and takes the sting out of larger work. It is one of the most used benefits we place, and it is usually affordable next to medical.
Who it fits
Any group that already offers medical — and groups that want a starter benefit before they add health insurance. Works for full-time teams of almost any size.
Quote DentalWhat it covers
- Preventive: cleanings, exams, X-rays, and fluoride (often at little or no cost in-network)
- Basic: fillings, simple extractions, and gum treatment
- Major: crowns, root canals, bridges, and dentures (plan-dependent)
- Optional orthodontia for employees and dependents on some designs
How we set it up
- PPO dental networks with a large California provider list
- DHMO-style options when a lower premium is the priority
- Employer-paid, employee-paid (voluntary), or a mix
- Annual maximums and waiting periods explained in plain language
Life
A basic safety net for the people who depend on your team.
Group life is a low-cost way to show the company stands behind employees’ families. Most plans are term coverage while the person works for you, often with little or no health questions up to a set amount.
Who it fits
Groups that want a complete package, and employers who cannot yet add medical but still want a meaningful, low-cost benefit.
Quote LifeWhat it covers
- Group term life paid to the employee’s chosen beneficiary
- Accidental death & dismemberment (AD&D) on many packages
- Guarantee-issue amounts so healthy and less-healthy employees can enroll together
- Optional extra (voluntary) life employees can buy for themselves, a spouse, or children
How we set it up
- Flat amounts (for example a set dollar amount per employee) or a multiple of salary
- Age-reduction schedules and conversion options explained at enrollment
- Accelerated death benefit and waiver of premium on many carriers
- Placed alongside medical or as a stand-alone life / AD&D package
Ancillary
The add-ons that make a benefits package feel complete.
Ancillary means everything besides medical, dental, and basic life. These plans cost less than health insurance, fill gaps medical does not cover well, and give employees choices without a large bill to the company.
Who it fits
Any group already shopping medical or dental. Ancillary is often how smaller employers compete with larger ones on “we take care of our people.”
Quote AncillaryWhat it covers
- Vision: exams, lenses, frames, and contacts on a set cycle
- Short-term disability: a portion of pay if an employee is out for weeks
- Long-term disability: income protection for a longer illness or injury
- Accident: cash benefits for ER visits, fractures, and other injuries
- Critical illness and hospital indemnity: lump sums for cancer, heart events, or hospital stays
How we set it up
- Bundle with medical and dental, or offer as voluntary (employee-paid) worksite plans
- Payroll deduction so employees never write a separate check
- Simple enrollment through the same online open-enrollment process
- Useful for teams that want richer benefits without a large premium jump
Why NP Benefits
Client relationship is our #1 priority.
NP Benefit Services helps employers of every size put a clean benefits package in place and keep it running all year.
- Online open enrollment with year-round support
- No extra open enrollment fees
- COBRA administration and HR support tools
- Payroll integration with qualifying providers
- Licensed CA / AZ / UT · CA License #0C10932