Group Medical and Related Health Benefits

Group Medical and Dental Plans
ACH has access to a variety of plans, which can be tailored to your needs including nationwide, multi-option PPO group health plans, Private PPO plans and many other options.

Our plans allow your employees to choose the option best suited to their needs. By using one of the country’s largest provider networks, access to nationwide healthcare is designed to meet specific needs such as coverage for out-of-state students, multi-state employers or travel. Our solutions offer superior service, greater efficiency and unparalleled flexibility. We’ll help you find the health care solution you're looking for regardless of your company size, location or stage of life.

Our network of specialists is so vast that we can always meet your specific needs and still giving you the freedom to choose any physician or healthcare professional based on your specific plan of coverage.

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Defined Contribution Plans (MSA, MRA, HRA, Cafeteria Plans)

ACH has skilled individuals who can direct you to the plans and provider who can minimize your investment in health care while maximizing the satisfaction of the employees. Defined contribution plans can be funded by either the employer, employees or both. The objective is to provide the highest quality at the lowest cost, we can show you how to maximize your health care dollars.

These plans are popular because they provide employers more control over costs to be paid. You ultimately have the opportunity to decide what expenses will be reimbursed. The most common approach in utilizing a HRA is to choose a health plan with a high deductible. The high deductible means lower monthly premiums. The savings in lower monthly premiums is used to offset the balance of the employee’s deductible costs.

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For example: The current medical plan has a $500 deductible per employee. The new medical plan has a deductible of $2,000 per employee. The employee would be responsible for paying their $500 portion of the deductible first. The difference is $1,500 per employee which is paid for by the employer using the savings from lower monthly premiums. On average, only 35% of employees reach their deductible amount. The savings to the employer can be significant based on an effective plan design.

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Specific Captive Plans
Providers: Aetna, United Health

This is an HMO Plan available in most areas, to all employees who work at least an average of 25 hours per week. Prescription coverage is optional. The cost of the medical coverage is based on individual, employee and spouse, employee and children, or family coverage.



Dental Insurance
Providers: Cigna Dental, Delta Dental & Dental Decisions

Every employee has the option to elect dental insurance, if they work at least an average of 25 hours per week. These are voluntary plans and include DHMO, (in-network Providers), PPO and an indemnity plan (for out of network providers)



General PPO Plans
ACH has the capability to partner you with any company in America at rates that will rival any other provider with the highest level of service and benefits administration.


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Benefits Administration
At ACH, our entire staff becomes a part of your team. We specialize in working with employers on the full spectrum of benefits services including:

~ Audit and Review of your current plan

~ Plan design, rate negotiation, marketplace review

~ Business Impact Analysis

~ Implementation

~ Plan Management

~ Legal Affairs/Employee benefit law updates

~ Employee Communication

~ Account Management assigned to you individually

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Partnering with ACH gives you a proactive resource with the knowledge and experience necessary to keep you and your HR team in control of your benefits plan, while allowing you to focus on your business.