1. A customized solution
A customized solution
for the consideration
for the consideration
of: of:
Your
Company

2. Our Purpose
This proposal contains rates that are of
The Purpose of EMA Group Inc and This Report Is to an illustrative nature. Some carriers
Provide a Thorough and Objective View of the may underwrite your group on the basis
Various Programs Available Because We of effective date, age gender and
Recognize the Deep Responsibility That Is Ours industry.
in Counseling Our Clients. These factors can make the illustrative
rates change slightly. Exact rates are
We Have Combined the Most Important Benefits and provided upon final enrollment. EMA
Features of the Various Health Insurance Plans, Group Inc. is not responsible for
and the Rates, So They Can Be Noticed Side by changes in rates due to these factors,
Side for a Better, Clearer Understanding of Your change of effective date, change in
Choices. plan designs, or typographical errors.
A Complete Benefit Summary of Each Plan Can Great care has been taken in
providing you with the most accurate
Be Provided at Your Request.
rate quote at the time of your request.
Additional Information, Physician Lists, FAQ’s and
More Can Be Found by Logging Onto Our
Website at http://www.emabenefits.com
www.emabenefits.com

3. Situation:
Your Company would like to offer a
comprehensive employee benefit program
to attract and retain quality employees,
while at the same time keeping control of
the rising costs as best possible.
www.emabenefits.com

4. Solutions:
• EMA Group recommends a dual option plan with the
“”plans for a non-referral “PPO STYLE” benefit . With two
options, your employees can take the option best suited
for them you can have a “premium” plan and also a lower
cost “base plan” that employees can accept or buy up
from.
• Supplemental insurance benefits from “”to implement
the section 125 plan, cover increased physician, ER and
hospital co-pays, and to maximize pre-taxation where
applicable. We call this “Medical Bridging”.
• “” for a true nationwide network and a significant dental
benefit plan
www.emabenefits.com

5. Solutions:
Allow us to make administration easier by providing:
• Full flexible spending account with easy access to funds to
increase pre-tax maximization, and employee satisfaction.
• COBRA Administration by EMA Group & Ameriflex with
“Mongoose” technology.
www.emabenefits.com

6. Medical Insurance Plans
• HMO
• PPO
• POS
• EPO
• Open Access Plans
• Prescription
• Standalone & Riders
• Indemnity
NOTE: This material is the intellectual property of Edward MacConnell &
The EMA Group Inc. And provided to you as a service for comparison
purposes only. Any use of the proposals, strategies, concepts or
materials without the expressed written consent of the author is
prohibited.
www.emabenefits.com

7. Dental & Vision Plans
• Dental HMO
• Dental PPO
• Dental Indemnity
• Preventative Dental
• Voluntary Dental Plans
• Standalone & Riders
NOTE: This material is the intellectual property of Edward MacConnell &
The EMA Group Inc. And provided to you as a service for comparison
purposes only. Any use of the proposals, strategies, concepts or
materials without the expressed written consent of the author is
prohibited.
www.emabenefits.com

8. Group Life, Disability, Long Term
Care
• Life Insurance
• Accidental Death & Dismemberment
• Income Protection
• Short & Long Term Disability
• Key Employee Coverage
• Long Term Care
• EMPLOYEE ASSISTANCE PLAN
NOTE: This material is the intellectual property of Edward MacConnell &
The EMA Group Inc. And provided to you as a service for comparison
purposes only. Any use of the proposals, strategies, concepts or
materials without the expressed written consent of the author is
prohibited.
www.emabenefits.com

9. Important Medical Insurance
Quoting Terms for Small Groups
in PA.
• Guaranteed Issue: No medical underwriting is involved,
rates are not usually changeable, and the group’s rates are
issued regardless of any medical conditions.
• Standard Medical Underwriting: A handful of medical
questions is asked on each employee application. Quoted
rates may be underwritten to an unknown percentage. The
limit is approximately 254%.
• Full medical underwriting: In depth questions and
physician verifications are required. Usually only done with
Individual Health Insurance Plans.
www.emabenefits.com

10. Supplemental Benefits
• Life Insurance
• Pre-Paid Legal
• Disability & Income Protection
• Hospital Indemnity
• Dental Plans
• Cancer Policies
• Pre Paid Legal Plans
• AFLAC
• Credit Union
• Dry Cleaning
What are supplemental benefits?
Supplemental benefits are insurance and
other programs offered to the employees of a
business at the employees’ cost. These types
of benefits are usually offered at a discounted
rate to the employees and are paid for
through payroll deduction.
www.emabenefits.com

11. Pre-Paid Legal
Why Pre-Paid Legal Plans? Employees don’t merely shop employers, they shop benefits.
A Pre-Paid Legal plan gives you a real competitive advantage for recruiting new employees and
keeping them.
Legal Plans Monthly Weekly
Standard Family Plan Premium
15.95 Payroll
3.68
Expanded Family Plan 24.95 Deduction
5.75
New Jersey Family Plan 10.95 2.52
Commercial Drivers Legal 32.95 7.60
PlanOfficers Legal Plan
Law 15.95 3.68
Teachers Plan 17.00 3.92
Home Based Business Rider 14.50 3.34
(AddedParents Plan
Foster to Family Plan) 14.95 3.45
Business Owners Legal 75.00 17.31
Solution
You are nearly three times more likely to be in court
than
you are to be hospitalized.
National Center for State Courts and the American Hospital www.emabenefits.com
Association

12. Client Support Services
These Services Are Available
To Serve Our Clients Better:
• Health Advocate
• Payroll Service
• Fringe Facts® Customized Employee Benefit Statements
• Pre-employment Assessments
• Human Resource Consulting
• COBRA & HIPAA Support and Compliance
• Employee Handbooks
• Drug Testing
• Staffing Assistance
• Employee Assistance Plans
www.emabenefits.com

13. Other Information
• Plan Charts/Grids/Details
• Summary Plan Descriptions
• Broker Authorizations
• Insurance Carrier Information
• Financial Ratings
• COBRA, HIPAA, etc.
• Internet Websites
• Other Helpful Information
www.emabenefits.com

14. Why Do Companies Like Yours
Choose EMA Group Inc?
• Independent brokers serving the greater Philadelphia area since 1982.
• Thorough, objective comparisons of all plans and carriers in the market.
• Representing our clients, NOT their insurance carriers.
• Access to all providers, and all types of benefit plans.
• Thoughtful, responsive, courteous and experienced customer services.
• Ease of access to our client representatives.
• Dealing directly with employees frees our clients to concentrate in other areas.
• We strive to offer the finest benefits available at the lowest cost.
• All forms, applications, etc. available online 24hrs. 7 days per week
• High level of employee communication.
• Customized benefit pamphlet or benefit statements for employees.
• Member SHRM, NAPES, PEBA, EBRI, IFEBP, HIAA, & more.
• Innovative voluntary benefit plans including AFLAC, Debit Card Flex Plans, Pre-Paid Legal and more.
• Strategies to stretch your benefit dollars in the most effective manner.
• References available upon request.
www.emabenefits.com

15. How does your current broker
compare?
Value-Added For Your Benefit EMA NOW
Services
Insurance Market Access Access to all major insurance companies YES ?
Customer Service Talk to a live voice, in-touch policy. If we miss a call, we will return your call on the YES ?
same business day
Experience Edward A MacConnell, LUTCF, President, has worked in the industry 20+ years, his YES ?
great accomplishment is getting the best plan, best rate from the carriers for his
clients. Edward T. MacConnell, CES, Vice President has 15 years of extensive
personal experience in all facets of group insurance.
Personal Attention EMA Group Associates will act on and resolve your question or problem the first YES ?
time whenever possible. We will not shift the responsibility to someone else.
Communication We assist in all phases of communication from employee meetings to payroll YES ?
stuffers. We will also design articles for your company newsletter.
1 on 1 Support Unique in our industry, our enrollment specialists will assist your benefit-eligible YES ?
employees upon request. We will explain the benefits, help in completing the
application and forward forms to carriers. Saves HR personnel a lot of time! This
service reduces confusion, leads to informed decisions, and increases employees'
satisfaction with their company provided benefits
Basic plan FREE! Mid-to-large size groups, comprehensive reports available. YES ?
Summarize for your employees all the benefit costs you provide, individually show
Employee Benefit Custom
them their Total Compensation Package.
Statements
Pretax Plan
Pretax Plan Free! Groups with 3 or more enrolled in supplemental benefits: Company save YES ?
7.65% FICA, employees 25%. Approximate savings can be illustrated.
Voluntary Benefits Your employees have access to a comprehensive menu of voluntary benefits. YES ?
www.emabenefits.com

16. Changing Brokers
• Let EMA Group show you the way,
whether you are considering a
change in your current group plan,
a new plan or a new Benefits
Consultant.
www.emabenefits.com

17. Changing Brokers
• Comprehensive, timely annual review.
• Full time service staff.
• Online administration ( where available)
• Complete COBRA compliance and COBRA
administration
• Access to full FSA administration at
reduced fees.
www.emabenefits.com

18. Consumer Driven
Health Plans
• Health Savings Accounts
• Health Reimbursement
Arrangements
• Medical Co-pay Reimbursement
Plans
• Self Insurance/ Partial Self
Insurance
www.emabenefits.com