Spectrum Insurance Agency, Inc.
Address: 5301 E State St # 201, Rockford, IL
Hours: Mon – Fri 8AM – 4:30PM
Phone: (815) 229-4040
Corporate Benefits
Our team really has an ‘unhealthy need’ to be needed.
Plan members have our direct extensions, cell phones, e-mail addresses and the green light to reach out to us for any and all concerns. In a world that has become numb to subpar service, Spectrum Customer Service delivers:
- Claims troubleshooting
- Evaluation & recommendation of providers
- Denial appeals
- Enrollment & termination processing
- In-Person/virtual employee benefit onboarding
- Medicare consulting
- Critical care guidance & recommendations
When an employee expresses gratitude for the benefits the employer is providing, then we have done our job.
The ability to take the unnecessarily complex world of health insurance and translate it into a simply digestible and usable framework that employees can actually apply is extremely rare.
We’ve done this day in and day out for more than 25 years.
Spectrum is known for over three decades of cutting-edge benefit plan architecture in the small and mid-sized employer space. We leverage the most creative solutions for architecting cost effective and highly valued benefit plan portfolios.
The Spectrum Benefits “Secret Sauce” is our process for onboarding plan participants. Members are provided region-specific guidance on how and where to obtain the most cost-effective, highest quality services, care and products.
Whether architecting “pay as you go” mini self-insuring health plan options to leverage healthy employee populations or delivering stand-alone International Pharmacy Programs to large self-funded employers, Spectrum expertly deploys the most progressive strategies to build highly valued benefit packages.
Group Options
From “Key Man” Executive Medical Reimbursement plans that turn S-Corp owner/key employee personal IRS 502 expenses into business deductible expenses to stand alone International Pharmacy Importation Programs that cut self-funded Rx expenses by 1/3 to 1/2, Spectrum draws from an arsenal of the most creative solutions available to customize group benefit options and maximize the utility of the benefits offered.
- Financial Lock Identity and Financial Theft Protection
- Executive Medical Reimbursement Plan
- Voluntary and Employer-Paid Worksite Benefits (AFLAC)
- Accident Plans
- Hospital Indemnity Plans
- Critical Illness/Cancer Plans
- Disability Insurance
- Life Insurance
- Fully Insured Health Plans
- Level Funded (Self-Insured)
- Self-Insurance
- Health Reimbursement Arrangements (HRAs)
- Flexible Spending Arrangements (FSAs)
- Health Savings Account-Compatible High Deductible Health Plans (H.S.A.)
- QSEHRAs
- ASO
- Stop Loss
- Stand Alone Prescription Drug Plans
- Direct Primary Care (DPC) Health Plans
- Local, Regional & National Fully Insured and Self-Insured Health Plans
- BUCA National Health Carrier Plans (BCBS, UHC, Aetna, CIGNA)
- ACTINCARE, ECOH
- Hero Health
- Broker to Broker Consulting Services
Employer Paid and Voluntary Ancillary Benefits
- Dental Insurance
- Vision Insurance
- Life Insurance
- Disability Insurance
Individual Health Insurance Options
- United Healthcare
- MercyCare Health Plans
- Quartz Benefits
- Blue Cross Blue Shield
- Medicare Supplements
- Medicare Advantage Plans
- Medicare Prescription Drug Plans