Why did we create three plans? Simple. Now There's Choice.
Your clients know their employees -- each client has its specific health coverage and financial concerns.

• Fixed-indemnity, limited medical benefits.
• Start with the CORE benefits - then add MORE benefits depending upon need.
• No deductibles ... no waiting periods ... no pre-ex.
• Designed for groups of any size - as few as 5 insured employees - no industry or class restrictions.

• Expensed-incurred, limited medical benefits.
• Choose from three options to suit the employees’ needs -- greater benefits or lower premiums.
• No deductibles ... no waiting periods ... no pre-ex.
• Designed for specific industries with a minimum of 51 eligible lives.

• Expense-incurred, limited medical benefits with a more traditional look.
• Choose from four options -- with deductibles and coinsurance
• Pre-ex on inpatient services only.
• Designed for specific industries with a minimum of 51 eligible lives.

The ValuBenefits Plans are not comprehensive major medical plans and they are not intended to replace a major medical plan. Each plan provides eligible employees and their covered dependents with basic coverage.

Medical, Dental and Term Life/Short-Term Disability plans underwritten by Stonebridge Life Insurance Company, Rutland, VT