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.