HEALTH Available in both group and individual. Covers:

• dental
• outpatient prescription drug cards
• maternity
• accident

Features we can include:

• rate guarantees.
• Variable deductible.
• Family Plans.
• Variable out of pocket limits.
• Portability.
• Child-Only coverage.
• AIDS treatment.

DISABILITY

Both long and short term disability plans are available for quotation.

Plan features include:

• variable term
• guaranteed acceptance in group
• benefits by job classification
• direct payment of benefits
• benefits can be distributed due to injury, illness or pre-existing conditions
• benefits can be paid as flat rate or percentage of earnings
• costs sharing by employer and employees
• partial disability
• work incentive benefits
• survivor benefits
• coordination with other compensation
• occupational coverage

DENTAL

Plan features include:

• choice of maximum benefit
• single calendar year deductible per person

DENTAL COVERAGE

OPTIONS AVAILABLE-

Preventive Services:

• Cleanings
• fluoride treatments
• periodic exams
• space maintainers

Basic Services:

• x-ray
• fillings
• steel crowns
• simple extractions
• denture relines and plastic repair
• stainless steel crowns
• emergency pain relieving treatment

Major Services:

• Root Canals
• periodontics
• Oral Surgery
• General Ahesthetic with Surgery
• Repair of partials, dentures
• Repairs to crowns and metal bridges
• Inlays and Onlays
• Crowns (other than stainless steel)
• TMJ treamtent
• full or partial bridgework

MAJOR MEDICAL

Offered in both PPO and HMO plan types.

Coverages:

• Physician office visits
• Preventive care services
• Emergency Room services
• Transplant services
• Chemotherapy and other diagnosis specific treatments

Advantages:

• National network of member hospitals
• National network of member physicians
• Benefits and coverage at reduced premiums
• Flexible options such as deductibles and/or co-pays

SENIOR CARE

Long Term Care:

• Tax qualified long term care
• nursing home stays
• assisted care facilities
• Alzheimer's care facilities
• variable daily benefit
• variable elimination periods
• variable benefit periods
• spouse discounts
• hospice care
• respite care
• customized plans
• assisted living
• bed reservation

Medicare Supplements:

• Part A and Part B deductible
• Skilled Nursing Facility co-pay

Emergency Care Final Expense:

• whole life with graded benefits
• variable face amount
• guaranteed level premiums
• waivers of premium
• double indemnity/accidental death

Final Expense:

• whole life with graded benefits
• variable face amount
• guaranteed level premiums
• waivers of premium
• double indemnity/accidental death LIFE

Available in group and individual.

Designed especially for the small group market, available to businesses with even just a few employees. More groups than ever can qualify for this valuable protection.

Benefits:

• Double benefit for accidental death
• Benefits for accidental dismemberment
• Variable maximum amounts

Variable benefit structures Features:

• Lump sum payments of benefits
• Waiver of premium options
• Conversion priviledges
• Multiple funding options

ANNUITIES

For safe, long-term savings, or retirement, or any other future savings need.

Highlights:

• competitive current / renewal interest rates
• flexible payout options
• multiple liquidity features

No matter what type of service or coverage your customers require, EBRM will find what you're looking for. Use this website to contact us or use our quote services page to get things started.