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.
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.
A team of benefits and wellness pros is assigned to your company for a high level of customer service. We also provide many Health Insurance Marketplace options for non-Cigna clients.
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.
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
A retirement plan can make a big diﬀerence:
Employee controlled retirement
Lower healthcare costs
Improved employee health
Aﬀordable, high-performance healthcare designed for small to mid-sized businesses is here.
Broad provider network, customized health coaching and identification of triggers and conditions
Empower your employees to achieve and maintain optimal health, happiness and productivity
Cost-controlled environment resulting in your best value – with the best doctors, care & outcomes
Give your employees instant access to healthcare solutions
Teladoc is designed to help save both employers and employees time & money. Teladoc is available through our All-In and Health Pro plans.
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 through our All-In and Health Pro Plans. This program is available regardless of your enrollment in medical benefits.
Financial & Legal
Child, Elder or
Health & Wellness
We’re here for your employees when they need it
Here are a few areas they may need support:
It’s hard to prepare for the financial burden of an unexpected accident. Get coverage to help with:
Transportation and lodging
Plans offer 90% reimbursement on the following, in addition to unlimited 24/7 access to Vet Pros via Vet Helpline:
Injury & Illness
Diets & nutrition
Exotic animal and avian plans also available
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
Major organ transplant
If you become disabled from a covered accident or sickness, use your benefits to help cover:
Rent or mortgage payments
Credit card bills
Other everyday living expenses
An ambulance ride and a one night stay in the hospital can bump your bills by thousands. Get coverage associated with:
Emergency room trips
Ensure financial security for your family members. Be sure to revisit your limit when you have a life event like:
Buying a home
Having a child