Free Premium Only Plan Contract  Section 105 HRAs & Health Savings Accounts  Self or TPA COBRA Administration  FSA Adm with No Direct Company Funding  Payroll Services with Debit Cards  24/7 Nurse Hotline   Customized Online Enrollment  Quality Check Hospitals and Facilities   Employee Handbook Software  Labor and Enployment Posters  Cost Comparisons Doctors & Rx  24/7 Nurse Hotline   Customized Employee Website Services  Medical Advocate Wallet Saver

Your core group health insurance plan can be supplemented with many of these products:

Cancer Insurance Critical Illness Plans Dental Insurance Disability Income Protection Life Insurance Long Term Care Pension Plans Residential Electric Supply Discount Min-Med Health Programs for Part-time  Identity Theft Group Training Accident Plans up to $15,000 in benefit  Identity Theft Individual Plans Medical Gap Indemnity Insurance Pre-Paid Legal Plans Mini Med Programs Stand Alone Prescription Plans

Employees have access to a voluntary benefits portfolio featuring no participation requirements and level costs from their inception.

One concept that has consistently lowered costs over the past 12 years is 21^st Century Healthcare.

Current Plan 21st Century Solution   HMO POS or PPO You Pick   In Network Out of Network In Network *Out of Network Office $10/40 Copay Deductible Coinsurance 100% 100% Hospital $250/5 days Deductible Coinsurance 100% 100% Prescriptions 10/25/50 Copay 100% 100% Family Cost $1800 a month $950 a month Any group can benefit by our concept of Restructure, Bundle and Save. We simply take advantage of the 85% of participants that have less than $5000 of medical expenses in any one year, restructure a high deductible major medical plan with indemnity supplemental plans and possible tax savings vehicles and generate 100% coverage for doctors, hospitals and other services with an overall drop of over $1000 in savings per employee. Learn more at our affiliate website 21st Century Wrap Why are you making your employees pay with after-tax dollars for copays, deductibles and prescriptions when we can fill the gaps on a voluntary basis for just management or everyone with low or no participation requirements? Options coverage is guaranteed issue and all pre-existing conditions can be covered immediately depending on the number of participants. Healthcare reform will raise everyone’s shared costs and your group will be exposed to many new rules starting next year so learn how to comply and save right now. *Assumes providers accept usual and customary rates of standard carriers and underlining benefits are sufficient to cover the major medicals underlining cost sharing requirements. Typically we use your same insurance carrier. Results vary based on enrollment status and demographics. Based on low reimbursements this type of benefit will be hard to find in the near future and deductibles increase and benefits decrease.

Let's Compare   Without    FlexSystem    With    FlexSystem    Salary $1,600  $1,600  Flex Dollars         0      400  Taxable Income 1,600  1,200  Income Tax 240  180  State Tax 128  96  Social Security 122  91  Income After Taxes 1,110  833  Medical Premium 150    Medical Expenses 50    Dependent Care     200          0  Take-Home Pay $   710  $   833  Net Increase    $  123  Pay Periods   x 12  Annual Increase   = $1,476*  *This is for illustration purposes only. Actual savings may vary. Generate upwards of 30% added savings using our tax savings administrative services. FSAs, HRAs and HSAs are some of the preferred services that can be communicated and implemented in your group. Eliminate taxes on many non-covered expenses, give employees a pay raise while the company reduces matching payroll taxes. Our low administration fees and unique funding is unmatched in the industry. Medical reimbursements can be directly deposited within 24 hours into your checking or savings account or use our debit MasterCard at the time of service. Dependent care and public transportation comes at no extra cost. By using our suggested benefits strategy, employers obtain a fixed benefits expense, proper compliance with state and federal laws and overall employee satisfaction with their benefits package

Section 105 Tax Advantage Without Section 105 (BizPlan) With Section 105 (BizPlan) Premium Deduction (Health & Long-Term Care) 100% Premium Deduction (Health & Long-Term Care) 100% $10,000 x 100% $10,000 $10,000 x 100% = $10,000 Federal & State Tax Rate 18% Federal, State, & SE Tax Rate 33.3% $10,000 x 18% = $1,800 $10,000 x 33.3% = $3,300 Tax Savings $1,800 Tax Savings $3,330         Non-Insured Expenses 0% Deductible Non-Insured Expenses 100% $3,000 x 0%   $3,000 x 100% $3,000 Federal & State Tax   Federal, State, & SE Tax 33.3% Tax Savings = $0 Tax Savings = $1,000         Total Expenses $13,000 Total Expenses $13,000 Total Deduction $10,000 Total Deduction $13,000 Total Tax Savings $1,800 Total Tax Savings $4,330

		1546 Old Farm Court Yardley, PA 19067		Toll Free:  Secure Fax:	1-800-662-3982 1-888-662-3920
		mailto:Sales@1StopBenefits.com		mailto:Service@1StopBenefits.com

Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements. Representing all admitted carriers in the Tri-State area: Aetna, AIG, Amerihealth, Blue Cross Blue Shield, Celtic, Cigna, Coventry Health, Genworth, Empire, Healthnet, Horizon Blue Cross, IBC, Impendence Blue Cross, Metropolitan Life, Oxford, Prudential, The Guardian, United Health Care, US Financial, Wellchoice, West Coast Life, We offer affordable group health insurance services to small businesses located in the following Pennsylvania counties and cities: Philadelphia County, Delaware County, Montgomery County, Chester County, Bucks County, Lehigh County, Berks County, Lancaster County, York County, Emmanus, Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville,Wagnersville, Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North Catasauqua, Stroudsburg, Springfield, King of Prussia, Woodlyn, Chester, Norwood, Ridley Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon,Upper Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone,Landsdowne, Fernwood, Milbourne, Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley, Bala-Cynwyd,Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland,Swedesburg, Bridgeport, Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North Hills, West Conshohocken,La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown,Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington, Feltonville, Frankford, Olney, Andalusia, CornwellsHeights, Bridgewater, Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West Bristol, Strafford, Devon, Berwyn, Port Kennedy,Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading,Allentown, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree, Paoli,Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue Bell, Center Square, Fort Washington, Philadelphia, Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler,Lower Gwynedd, Washington Crossing, New Hope, Richboro, Feasterville, Southampton, Langhorne, Holland, Newtown, and Yardley, PA. We also offer affordable group employee health insurance services to businesses located in the following Delaware counties and cities: Castle County, Kent County, Sussex County, Newark, Claymont, Middletown,Dover, Milford, Georgetown, Seaford, Yorklyn, Centerville, Talleyville, Greenville, Newport, New Castle, Hillcrest, Elsmere, Penny Hill, Graylyn Crest, Ardentown, Hockessin, Delaware Heights, Devonshire, Arden, Fairfax, Dunleith, Meadowood, Sherwood Park, Wilmington Manor, Lancaster Village, Ashland, Penn Acres, Green Acres, Darley Woods, Wilmington Gardens, Ogletown, Delaware City, Woodland Beach, Bay View Beach,Wilmington, DE; as well as offering group insurance services in the following New Jersey counties and cities: Mercer County, Burlington County, Camden County, Gloucester County, Salem County, Cumberland County, Atlantic County, Camden, Vineland, Ewing, Cherry Hill, Pennsauken, Willingboro,Collingswood, Palmyra, Delran, Cinnaminson, Moorestown, Riverside, Gloucester City, Bellmawr, Runnemede, Burlington, Edgewater Park,Haddonfield, Maple Shade, Princeton, Mercerville, Slackwoods, Yardville, White Horse, Mansfield, Atlantic City, Margate City, Ocean City, and Trenton, NJ Atlantic County, Bergen County, Burlington County, Camden County, Cap May County, Cumberland County, Essex County, Gloucester County, Hudson County, Hunterdon County, Mercer County, Middlesex County, Monmouth County, Morris County, Ocean County, Passaic County, Salem County, Somerset County, Sussex County, Union County, Warren County Products and PA_NJ_NY_Service_Hightlights.htm: Group Insurance, Health Insurance, Dental Insurance, Disability Protection, Long Term Disability, Short Term Disability, TDB, STD, Life Insurance, Long Term Care, Cancer coverage, Critical Illness insurance, Hospital Indemnity Insurance, Gap Insurance, Mini-Med plans, Medicare Advantage, Medicare Supplemental Coverage, Retire Health, Prescription coverage, Medical Insurance, 21st Century Healthcare, Tax Savings Vehicle, Section 105, Section 125, Cafeteria Plans, Premium Conversion Plans, Premium Only Plans, Health Savings Account, Health Reimbursement Accounts, Transportation Accounts, Dependent Care Accounts, Self Insured Plans, Supplemental Plans, Accident Plans, Human Resource Tools, Employee website access, Benefit Statements, Salary Illustrations, Enrollment and Communication services, Dedicated enrollers, Shipping, Tax Savings, Payroll Services, Retirement Savings, Financial Planning, Annuities, 401K, IRA, Roth IRA, Pension, Employee Benefits, Voluntary, Employer Paid, Medical, Term Life Insurance, Vision, Laser Vision Correction, One Stop Benefits, 1 Stop Benefits, One Stop Benefit, 1 Stop Benefit, 1StopBenefit, OneStopBenefit, 1StopBenefit.com, OneStopBenefits.com, OneStopBenefits, Insurance Quote, Online insurance Quote, Social Security Benefit, Long Term Care , Individual Health, Affordable Family Health Insurance, Free Insurance Quote, Medical Dental