Cosmos Services (America) Inc. gives you access to a wide range of insurance products from the major underwriters and insurers in this business. We are insurance brokers licensed in 50 states and handle a range of small to large clients. We can help arrange cost effective employee benefit programs for our clients through consulting efforts and services we provide.
 
  Medical
    Group medical coverage can be the most expensive part of any benefit program. Cosmos Services (America) Inc. offers everything from traditional indemnity to up-to-date managed care products. We can assist you in setting up alternative funding arrangements, if it is appropriate for your plan. We can customize your medical plan if your group is large enough to do so. We can suggest cost control strategies and provide financial analysis to determine the fairness of the program.
     
  Rx Drugs
    Depending upon your group size, Cosmos Services (America) Inc. can offer you a variety of prescription drug programs. We can set up stand-alone managed Rx Drug programs. We can also implement self-funded plans. As we all know, prescription drug costs are sky high. We bring you cost effective ways to manage your Rx Drug program.
     
  Dental
    Cosmos Services (America) Inc. offers major dental programs from traditional indemnity to up-to-date managed care products. We can also offer different funding arrangements.
     
  Vision Care
    Vision Care plans are relatively inexpensive, and are becoming popular additions to group benefit plans. Cosmos Services (America) Inc. has access to the major vision care providers in the marketplace.
     
  Life, AD&D
    Cosmos Services (America) Inc. will advise our customers in selecting the right products to meet their needs. Our skillful marketing efforts have produced cost savings for many of our clients. Because most people focus on medical and dental programs, life programs can easily be ignored. We offer both employer-paid core products and employee-paid supplemental products. If you have not reviewed your plans for 5 years, we suggest that you contact us.
     
  Disability
    Like life insurance, disability insurance can be complicated. Cosmos Services (America) Inc. can offer Statutory Disability, Short-Term Disability and Long-Term Disability plans.We offer employer paid disability plans, voluntary disability plans and individual disability plans for corporate executives or individuals.
     
  Long Term Care
    It is one of the growing concerns for most Americans that most of us will not be able to afford nursing home care in 30 years. Cosmos Services (America) Inc. provides both group and individual long term care insurance plans. We also have voluntary products for companies interested in offering the benefit to their employees at group rates, but can not afford the added expense.
     
  Voluntary Programs
    Voluntary programs are becoming very popular since most employers can not afford any additional cost on employer-sponsored benefit plans. There are so many programs you can implement without any additional expenditure to your company. Not only life related products, we can bring dental, vision, disability, long term care, critical illness, cancer, home owner, legal, auto, etc. Voluntary programs are payroll deduction plans. Most of these plans are portable. Your employees will also enjoy the group discounted rates of these plans.We arrange and assist with all necessary employee communication and implementation of the programs so that your involvement in their administration is minimal. We handle all the enrollments for your company. Most of these programs are not even available as individual products; thus, many employers are considering these programs as an attractive addition to their benefit package.
     
  Stop Loss Insurance
    Cosmos Services (America) Inc. deals with most of the major stop loss carriers in the marketplace. Stop Loss Insurance protects your assets from catastrophic claims. This type of insurance is commonly arranged for self funded plans. This stop loss arrangement can be very complicated depending upon the details of the contract of each insurance company. Cosmos Services (America) Inc. will assist you in finding the most suitable stop loss products according to your company's specific requirements.
     
  Individual Products
    We offer several individual products. Life, Annuity, Disability Income and Long Term Care products are commonly requested. Our professional consultants will help you analyze your needs and assist you with arranging appropriate financial protection for you.
 
  Note: Nothing stated herein is intended to supersede or replace any provisions of the actual insurance policies and the coverage and risks underwritten by those policies. Insurance policies contain many conditions, exclusions and other terms which are not explained or described in this summary which is only for general information purposes. You must always review the actual insurance policies for the precise wording of the coverage, terms, conditions and limits which apply to you and your particular insurance
 
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