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Our Services
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Self-Funded Dental Benefits
Allow the employer the ability to create custom designed plans while saving money on costly insurance premiums.
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Health Reimbursement Arrangements
Endless design options that can be modeled to best fit the needs and financial goals an organization.
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Flexible Spending Accounts
A great way for employers to increase take home pay for their employees.
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Short-Term Disability
One of the most common self-funded benefits since there is typically low liability and a maximum time frame allowed for each claim.
Maximize Choice Minimize Cost
Self-Funded Dental Benefits allow the employer the ability to create custom designed plans while saving money on costly insurance premiums. When utilizing a Fully-Insured dental benefit the employer and/or employee are required to pay a monthly premium regardless of whether or not the benefit is utilized. When the dental benefit is Self-Funded only dental expenses that are actually incurred are paid for each month. Learn More ›
Employer Designed Benefit
Health Reimbursement Arrangements (HRA) have endless design options that can be modeled to best fit the needs and financial goals an organization. It is now very common for an employer to offer a high-deductible health plan and couple it with an HRA that reimburses employees for some or all of the deductible expense. As HRA funds build employers can open the allowable expenses to include dental, vision, hearing, as well as other highly sought expenses. Learn More ›
Tax Advantaged Account
Flexible Spending Accounts are a great way to increase take home pay. At the beginning of the calendar year employees authorize their employer to reduce each paycheck by a pre-determined amount and put that money aside on a pretax basis. This money can be used to pay for certain expenses that need to be paid anyway (such as contact solution or dental work), but because FICA and Federal Income Taxes are avoided employees save money. Learn More ›
Invaluable Protection
Short-Term Disability is one of the most common self-funded benefits since there is typically low liability and a maximum time frame allowed for each claim. Formula Benefits offers employers complete flexibility in creating the Short-Term Disability Plan. Learn More ›