WCI, Inc

Exclusive Healthcare Savings

WCI Employer’s Choice, Inc., is WCI's licensed insurance agency, providing innovative and cost-saving alternatives for funding health benefits. We offer three (3) different customized programs for employers to lower your health spend and attract and retain good workers. These programs are the answer to runaway health insurance premiums. With our employer-focused, forward-thinking approach, WCI is uniquely able to provide members unparalleled return on investment.

WCI Captive Plans

  • Available to employers with more than 50 employees
  • Innovative approach to funding healthcare benefits since 2009
  • Minimal administration and preset costs like full-insurance
  • Cost containment and transparency like self-insurance
  • Defined exposure with plan-design flexibility
  • Annual savings of 15% - 40% are common

For a pre-qualification discussion and quote, contact Fredrick Reese at 800-621-2685.

This table illustrates the layered approach of our Group Captive to controlling health costs, offering the best features of both full- and self-insured programs.

K2 Healthcare Plans

  • Available to employers with less than 50 employees
  • Also available for larger employers if our Captive doesn't fit
  • Fully insured plans that cost less for companies and employees
  • Innovations that improve quality without reducing benefits
  • Network access remains unchanged or better
  • Customized for what works best for your business

For a free cost-savings analysis, go to our K2 page and submit your current plan data

For many years, WCI has been searching for a difference-maker for our smaller members to lower their health spend without sacrificing benefits or quality. K2 Advisors Group re-designed WCI's health plan, saving us many thousands of dollars, by shattering the status quo of fully insured healthcare! We've partnered with them, now, so our members can benefit, too.

Individual Benefit Plans

Employers with less than 50 employees that are unable to provide rich healthcare plans need lower cost options to attract and retain employees. WCI provides access to limited benefit plans for your group through Kemper Reserve National. These individual policies are not guaranteed issue and exclude maternity, substance abuse, and mental health. Highlights for employees include:

  • Lower premiums than traditional health plans
  • Choose your own doctors and specialists
  • Customized to meet your budget and needs
  • No coordination of benefits (pays defined benefit)
  • No minimum participation level needed
  • Apply anytime without open enrollment
  • Take it with you if you leave your employer
  • Coverage travels with you, in or out of the US
  • Guaranteed renewable with stable rates

Employers: for more information, watch our short employer video introduction to this program.

Employees: for more information, watch our short video and request a quote.

Ancillary Benefits

We also offer competitive insurance plans for dental, vision, life, short- and long-term disability, workers compensation, and indemnity plans to our insurance clients along with our medical plans or as stand-alone programs.

2 Town Square Blvd, Suite 370, Asheville, NC 28803 +1 (800) 621-2685 [email protected]