Providing creative and innovative health insurance solutions that employers need.

Creative Solutions

Supplemental benefits that are customized to fit the employee’s additional healthcare needs and that employers want to make available.

Creative Solutions Health - Insurance Plans - Innovative Health Insurance Advisors

Voluntary Benefits

Hospital Indemnity Insurance

Hospital Indemnity Insurance that can complement your medical coverage by helping to ease the financial impact of a hospitalization. It provides a lump-sum payment that can be used for hospital admission, accident-related inpatient rehabilitation and hospital stays or any other expenses that you incur.

Accident Insurance

Accident Insurance provides you with a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, childcare and more.

Accident insurance through your employer may include benefits for:

  • Injuries: fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, second and third-degree burns
  • Medical services and treatments:  ambulance, emergency care, therapy services, medical testing (including x-rays, MRIs, CT scans), medical appliances and certain types of surgeries
  • Hospitalization: hospital admission, confinement and inpatient rehab after an accident
  • Additional benefits: accidental death, dismemberment, loss and paralysis; supplemental benefit for lodging
  • Plus: guaranteed acceptance, convenient payroll deduction, portable coverage

Critical Illness Insurance

Critical Illness Insurance helps offset expenses that may not be covered under your employer’s existing medical insurance and disability plans. While most medical plans provide coverage for hospital and medical expenses, they don’t typically cover costs like daily living expenses, childcare, or copays. A critical illness insurance policy can help close the gap.

  • A lump-sum benefit payment to use as you see fit
  • Dependent coverage for your spouse or partner and children
  • No obligation to submit expense receipts
  • Portable coverage should you leave your employer

Creative Solutions Health - Insurance Plans - Innovative Health Insurance Advisors

Dental Insurance

Dental Insurance can help you maximize your oral health and minimize out-of-pocket costs for routine dental check-ups, expensive procedures and most things in between. PPO plans offer the flexibility to visit any licensed dentist, so you’re sure to find a provider who meets your needs.

  • Large network of dentists and the freedom to visit any dentist in or out-of-network.
  • Additional savings when you visit a participating dentist. Participating dentists have agreed to accept negotiated fees for covered services, which are typically 30-45% less than the average fees charged by dentists in the same community.
  • No paperwork in or out of network if your dentist submits your claims for you.
  • Service where and when you want it on our secure member website.
  • Preventive care, such as cleanings, is usually 100% covered in network.

Vision Insurance

Vision Insurance helps protect the eyesight and health of every member of your family with lower out-of-pocket expenses for you. Available to employees of participating groups.

  • Save on a wide range of services that are standard benefits under this plan, including routine eye exams, glasses, contact fittings and lenses. Plus, additional savings on non-prescription sunglasses and laser vision correction.
  • Convenience of visiting any licensed eye care professional or choose from the thousands of participating ophthalmologists, optometrists and opticians working out of private practices or top retail chains such as Costco® Optical, Pearle Vision, America’s Best, Cohen’s, VisionWorks and more.
  • Lower out-of-pocket costs when you visit a participating vision care provider.
  • Special arrangements have been made with Walmart and Sam’s Club. Even though these companies are out of network, they have agreed to check your eligibility and process claims on your behalf so there is less paperwork for you.

Cost Containment Programs

Telehealth services

JUST IMAGINE your employee waking up one morning with sudden cold-like symptoms: stuffy nose, cough, congestion. He is having trouble getting an appointment with his existing doctor and he doesn’t want to miss time at work by sitting in an urgent care or ER waiting room.

70% of doctor’s office visits can be handled over the phone and 50% of ER visits are non-emergencies. Telemedicine’s savings in claim costs range from $300 per year for a single employee or more than $1,000 per year for a family of four. Telehealth provides that instant service for this minor illness which saves time, money and unneeded headaches.

  • SAVES TIME – Online doctor visit convenient, immediate and saves time. No long waits to get in to see a doctor and no time off work.
  • SAVES MONEY – Telehealth reduces costly and unnecessary office visits, urgent care visits and emergency room visits. Online consultations are usually lower than a co-pay.
  • EASIER ACCESS – For people who travel, work in rural locations or live in underserved cities, Telehealth can sometimes mean receiving care or not.
  • MORE OPTIONS – Patients have more options with Telehealth. They can speak to a physician, a pediatrician, or even a behavioral therapist.
Creative Solutions Health - Insurance Plans - Innovative Health Insurance Advisors

Reference-Based Pricing

Reference-Based Pricing (RBP) is the art of replacing provider networks with set reimbursement levels tied to Medicare allowable rates. Through innovative designs, along with partnerships in medical bill review, we can provide RBP programs that have zero/low balance billing rates in addition to full advocacy and indemnification for employers and employees.


Why should an employer be concerned with the wellness of their employee population? A healthier team member is a more productive team member, which translates value to a company’s or organization’s bottom line. As well, if you employ more than 50 employees, next year’s premium will include a surcharge or a discount based upon the health of your employee population. Higher medical bills for your employees can mean higher premiums for you. We would be glad to discuss wellness efforts with you.

Administrative Services

Creative Solutions Health - Insurance Plans - Innovative Health Insurance Advisors

ACA services

More than five years after its enactment, the Affordable Care Act (ACA) continues to be one of the top concerns for employers, and rightly so: the ACA is one of the most comprehensive laws impacting employee benefits since the Employee Retirement Income Security Act (ERISA) of 1974. Phased implementation of the ACA requirements has kept employers consistently busy over the last few years, but there is still more to come.

  • 1094/1095
  • 5500,s

Enrollment Benefit Platform

Employers want to do more for less. Give them the ability to automate enrollment and cut costs. Take the confusion out of the enrollment process and give customers what they really want – a user-friendly enrollment solution that streamlines benefits administration and empowers more informed decision-making.

  • Reduce administrative burden for employers and employees – Through automation, you can make even the most complicated tasks seem easy – whether it’s an employer with complex eligibility rules or a broker managing a large book of business.
  • Guide better benefit decisions – create a consumer-friendly enrollment experience so you can help employers and their employees avoid overspending on health care.
  • Simplify Enrollment – Save time by eliminating paper forms, reducing errors, and creating digital employee files for you and your groups.
  • Increase Engagement – Deepen relationships with your clients by giving them a mobile app, integrating benefits with their payroll provider, and offering new HR and compliance services.
  • Gain Visibility – Stay on top of enrollment status, access group information 24/7, and support your clients year-round.

Speak with a Representative

5 days a week 8 a.m. – 5 p.m.