In the Store

A great store needs great merchandise.

With the Bright Choices® Exchange you can offer group plans and still give employees choice while shopping for benefits.

We work with the nation’s top carriers to put the best merchandise in the store, so your employees can build a robust portfolio against financial risk.

Health

Health

Health Plans

You know what these are. Covers costs of health care, including 100% preventive care, and a portion of sick doctor visits, emergency care, and prescription drug costs. Employers choose carriers and from among a variety of plan options. Employees choose from among a variety of plan options (including a selection of HMOs, PPOs, EPOs, HSA-qualified plans and more). Carrier choices vary by market.

Supplemental Health Insurance

Pays a cash benefit in case of accident, critical illness, or hospitalization to help defray the costs that health insurance doesn’t cover. Options include Accident, Critical Illness, and Hospital Indemnity.

Dental

Covers preventive dental care, and portions of basic, major and orthodontia depending on plan level.

Vision

Covers eye exams, lenses, contacts and frames.

Wellness

Help for meeting your wellness goals, such as weight loss, smoking cessation, physical fitness, cholesterol management, etc. Options include a registered nurse as a personal health coach and a home lab kit for important lab values.

Telemedicine

Contact licensed, on-call physicians (who can prescribe medicine) online or over the phone, 24/7.

Money

Money

HSA

An account that lets employees save and spend tax-free dollars. In some accounts, money can only be used in current calendar year, and unused money is forfeited. Health, dependent care, transit and parking accounts are available.

FSA

An account that lets employees save and spend tax-free dollars. Money can only be used in current calendar year, and unused money is forfeited. Health, dependent care, transit and parking accounts are available.

Protection

Protection

Life

Group and Personal Life insurance policies for employee, spouse, and children. Pays a lump sum benefit.

Disability

Pays you if you are unable to work due to disability. Short-term and long-term options available.

Legal Plans

Provides fully covered legal services for personal legal matters, including wills, real estate matters, and court appearances.

Pet Insurance

Get a 5% discount by buying through Bright Choices. Covers costs for pet accidents and illnesses, prescriptions, tests and hospitalizations, and includes a $50 copay per visit.

Identity Theft Protection

Protects your financial and personal identity from thieves and hackers by monitoring thousands of databases for unauthorized personal information usage.

Protection

Lifestyle

Personal Time Off Buy-up

Lets employees purchase more days of personal time off to rest and recharge as they wish.

How do you choose the plans that go in the Bright Choices Exchange?

Liazon has formed unique relationships with the top national and regional carriers you know and trust to bring your employees a selection of top-notch benefits plans. Using proprietary analytics and technology, we select the most varied and cost-effective plans to ensure each family's diverse needs are met. Employees love having access to many different benefits types, and overwhelming numbers of new Bright Choices customers choose products they did not have access to previously.

What if I prefer to provide health insurance outside of Bright Choices?

No problem. You can still use Bright Choices to offer protection to fill the gaps that health insurance doesn’t cover.