Together, we can acheive better healthcare benefits and lower costs for small to midsized businesses

What makes Aliat different?

We’re not just here to help free up your time to do more of what you love. We’re here to help change the face of healthcare.

The system is broken – and small businesses are one of its biggest casualties

By pooling together small businesses, we’re able to provide our members with premium heathcare benefits at the lowest rates possible. Aliat has partnered with Cigna to deliver you not only 5 star benefits, but an innovative wellness platform to incentivize, educate and empower both employers and employees, so they can take healthcare – and its associated costs – into their own hands.

Together we can lower the cost of healthcare, one employee at a time.

Your healthcare costs shouldn’t drown your business

We make it easy for your team to access big business healthcare benefts at the lowest rates.

  • 1|Health

    Enjoy a very broad national provider network with deductibles as low as $500 up to $5,000. All of our medical plans contain reasonable out-of-pocket maximums for financial protection.

    Because Aliat is a large company, we have had some say in the design of our medical plans. Our objective is to bring more valued benefits to your employees without overcharging for those benefits.

    An account management team is assigned to your company for a high level of customer service. We also provide HSA training and help with the banking set up.

  • 2|Dental

    The plans in our dental program offer the flexibility to visit any contracted dentist, so you’re sure to find a provider who meets your needs. We offer a large network of dentists, and the freedom to visit any dentist in or out-of-network.

    • High annual maximums of $1,500 and $2,000.

    • The ability to add orthodontia coverage for children through their 18th year.

    • In-network and out-of-network benefits paid at the 90th percentile of all dentists.

  • 3|Vision

    Our vision plan allows employees to choose from more than 95,000 in-network providers with an easy-to-use provider search tool and mobile vision app. Your employees can choose a provider on their terms with a mix of independent, regional, national and online retail providers.

    Your employees will receive support with open enrollment and special member savings, such as 40% off additional pairs of glasses, 20% off non-prescription sunglasses, and 15% off Lasik or PRK from US Laser Network.

  • 4|Life Insurance

    Aliat provides $10,000 of Basic Term Life Insurance to all full-time, benefit eligible employees.

    • Competitive group rates

    • Guaranteed issue – no health questions or medical exam required

    • Convenient payroll deductions

    • Employees can purchase supplemental life insurance up to $100,000 on a guaranteed issue basis. The limit can be increased to 5x the annual salary or $500,000 (whichever is less) with medical underwriting.

      Term life insurance provides temporary financial protection for your loved ones during your working years. Help ensure that if something unforeseen should happen, short and long term financial obligations could be met.

    • Replacing lost income

    • Covering basic living expenses

    • Paying household debts, estate taxes and funeral expenses

    • Funding a child’s education

    • Supplementing retirement savings

  • 5|Retirement Plan

    With Aliat, you are removed from day to day administration of the retirement benefit. We support your employees with ongoing education, online tools and training.

    You can enjoy no upfront document cost and no more yearly census or 5500 reports. Plus, employer contributions to retirement plans NOT subject to FICA.

    Build a plan and profit sharing and/or match that best fits YOUR needs…all while keeping the highest flexibility of independent plan designs. No required match!

    • Higher contribution limits and tax benefits for employer

    • Reduced liablity through outsourcing

    • Full-360 payroll automation

    • Investment monitoring

    A retirement plan can make a big difference:

    • Decreased absenteeism

    • Increased productivity

    • Employee controlled retirement

    • Lower healthcare costs

    • Improved employee health

Aliat’s large group healthcare marketplace allows businesses to have access to the same benefits as big businesses, at less than what most small businesses pay now.

Teladoc

Give your employees instant access to healthcare solutions

Teladoc is designed to help save both employers and employees time & money. Employees and their families can now access healthcare from anywhere, at no additional cost.

  • 10 minute average doctor response time

  • 91% of issues are resolved first call

  • No co-pays, deductibles or per-call charges

  • U.S. based, trained & board-certified doctors

  • Get prescriptions, diagnosis & treatment plans

  • Saves employers and employees the costs of missing work

Employee Assistance Program

We offer the Cigna Employee Assistance & Work/Life Support Programs to all Aliat co-employees and their household members. This program is available regardless of yourenrollment in medical benefits.

  • Face-To-Face
    Counseling

  • Referral
    Services

  • Financial & Legal
    Consulting

  • Critical Incident
    Stress Management

  • Child, Elder or
    Pet Care

  • Work-Life
    Resources

  • Identity Theft
    Support

  • Health & Wellness
    Education

We’re here for your employees when they need it

Here are a few areas they may need support:

Supplemental benefits

  • Accident

    It’s hard to prepare for the financial burden of an unexpected accident. Get coverage to help with:

    • Initial care

    • Surgery

    • Transportation and lodging

    • Follow-up care

  • Cancer

    Most medical plans don’t cover the out-of-pocket costs that come with a cancer diagnosis. Get coverage to help with:

    • Loss of income

    • Child care

    • Lodging and meals

    • Deductibles and co-pays

  • Critical Illness

    One or more critical illnesses can put life on hold. Be financially prepared for critical illnesses, such as:

    • Heart attack (myocardial infarction)

    • End stage renal failure

    • Coronary artery bypass surgery

    • Stroke

    • Major organ transplant

  • Disability

    If you become disabled from a covered accident or sickness, use your benefits to help cover:

    • Rent or mortgage payments

    • Utilities

    • Groceries

    • Travel expenses

    • Credit card bills

    • Other everyday living expenses

  • Hospital Confinement

    An ambulance ride and a one night stay in the hospital can bump your bills by thousands. Get coverage associated with:

    • Outpatient surgery

    • Diagnostic tests

    • Doctor appointments

    • Emergency room trips

  • Life Insurance

    Ensure financial security for your family members. Be sure to revisit your limit when you have a life event like:

    • Getting married

    • Buying a home

    • Having a child

Want to learn how Aliat can help grow your business?

Schedule a free consultation.

Get Started