Employee Benefits

Innovating for the good of your business & employees.

With our team approach, we help clients build and maintain robust employee benefits programs to enhance employee productivity, retention and recruitment.

Our focus at Vizance is to create certainty in the uncertain world of employee benefits. It requires patient and creative professionals that have a watchful eye on cost, education, service, compliance, and wellness.

While other agencies tout market share and brand recognition, few, if any, will actually deliver an approach beyond the renewal that thoroughly takes a company’s unique needs into account. Our 5 step benefits process is designed to do just that.

Our Employee Benefits department takes a unique “team approach” in customizing the right program for each organization that we work with. Our desire very simply is to offer a fresh perspective and help our clients be successful.

By helping our clients build and maintain a robust program for their employee benefits, we are the conduit for achieving increased employee productivity, retention and recruitment. These are valuable tools for the success of any organization.


Employee Benefits Products

With our knowledge, experience and partnered relationships, we can help you make the best decisions for your employees and their families. We will also help maintain your overall goals and objectives while continuing to manage your total cost of risk.

Medical Plans

  • Consumer driven
  • plans (HRA/HSA)
  • Fully-insured plans
  • Self-funded plans
  • Split-funded plans
  • Mini-med plans

Dental Plans

  • Fully-insured and self-funded
  • Indemnity, DHMO, PPO
  • Dental rewards/rollover programs
  • Dental/vision combination programs

Vision Plans

  • Fully-insured and self-funded
  • Employer paid and voluntary
  • Lasik discount programs and insurance

Disability Income Replacement

  • Short-term and long-term
  • Employer-paid and voluntary
  • Select Income programs
  • Supplemental Executive plans
  • Buy-up and gross-up plans


  • Basic term life
  • Voluntary buy-up plans
  • Universal life
  • Key person and executive

Worksite Solutions

  • Voluntary disability
  • Voluntary life
  • Limited medical plans
  • Critical illness
  • Supplemental accident
  • Voluntary and core benefits enrollment capabilities

Section 125

  • Premium-only plans
  • Flexible spending account
  • Healthcare savings account (HSA)
  • Healthcare reimbursement arrangements (HRA)
  • Defined contribution/cafeteria plans


Employee Benefits Services

Vizance is equipped with the services and tools to meet our clients’ goals and objectives. For these services to have the most impact on your business, we must first understand your unique culture and needs to apply the appropriate tools and/or services.

Our core services include, but are not limited to:

Strategic Assessment / Comprehensive Benefits Analysis

  • Benefits/cost strategies
  • Prescription drug strategies
  • Physician network analysis
  • Detailed claims analysis
  • Year-to-date costs vs. budget
  • Normative data analysis/benchmarking
  • Geographical access reports
  • Disruption analysis reports

Health Care Reform/ACA

  • Compliance assistance
  • PPACA provision updates
  • Personalized education
  • Pay vs. Play comparative analysis

Pro-Active Renewal Process

  • Market trends analysis/updates
  • Carrier negotiations
  • Plan design consultations
  • Unique cost-saving solutions
  • Benefits plan modeling

Communications Assistance

  • High-level benefit summaries
  • Carrier resources & tools
  • Cost savings & discount programs
  • Educational meetings with carriers
  • Customized educational pieces/surveys
  • Hidden paycheck
  • Online enrollment

Contractual Oversight

  • Review applications
  • Review all certificates & summary plan descriptions/documents
  • Assist with contractual compliance due to legislative changes

Benefits Compliance

  • Wisconsin State Continuation
  • HIPAA privacy compliance
  • FMLA
  • Other legislative & compliance updates
  • HR services


  • Assistance in customizing Worksite Wellness Programs that fit your culture & the needs of your employees
  • Access to Employee Assistance Programs (EAPs)
  • Personalized resources
  • Advice in utilizing wellness approaches to reduce your overall expenses

Customer Service

  • Dedicated personal service team
  • Immediate response to general inquiries
  • Claims, billing & administrative assistance
  • Personalized service agreements
  • New hire education