Products by VICTOR INSURES YOU LLC

Employee Navigator is the HR information system (HRIS) and benefits administration platform Victor Insures You includes with every large-group client relationship at no additional cost. It centralizes employee records, benefits enrollment, ACA and COBRA compliance tracking, and carrier connections...

Gap insurance helps bridge the difference between what a high-deductible health plan covers and what employees actually pay out-of-pocket, reducing financial strain without significantly raising premium costs. Victor Insures You builds gap coverage into large-group benefits packages as a...

Hospital indemnity insurance pays employees a fixed cash benefit for hospital admissions, stays, and related events — helping offset high-deductible health plan costs and out-of-pocket expenses. Victor Insures You pairs hospital indemnity coverage with high-deductible and level-funded medical plans...

Critical Illness insurance pays a lump-sum cash benefit directly to your employees if they're diagnosed with a covered condition — heart attack, stroke, cancer, and more — helping cover deductibles, travel, childcare, or lost income during recovery. As part of a large-group ancillary benefits...

Group life insurance is a foundational benefit that provides employees and their families with financial protection at a group rate far below individual coverage. Victor Insures You structures basic employer-paid life insurance alongside voluntary supplemental and dependent life options, negotiates...

Short-term and long-term disability insurance replaces a portion of an employee's income if they're unable to work due to illness or injury — a critical benefit for protecting both your employees' financial security and your company's productivity. Victor Insures You structures both employer-paid...

Group vision insurance covers eye exams, frames, lenses, and contacts — a low-cost, high-participation ancillary benefit that consistently ranks among the most-used voluntary benefits by employees. Victor Insures You includes vision coverage in every large-group benefits proposal, comparing network...

Group dental insurance is one of the most valued ancillary benefits for large-group employees, covering preventive, basic, and major dental services with PPO and DHMO network options available. Victor Insures You negotiates group dental rates and network access as part of a coordinated ancillary...

EPO plans offer PPO-like network access without out-of-network coverage, often at a lower premium — a popular middle-ground option for large groups balancing cost and provider choice. Victor Insures You evaluates EPO plans alongside PPO, HMO, and level-funded options during every renewal cycle,...

HMO plans deliver lower premiums and coordinated care through a defined network and primary care physician referrals — a strong fit for cost-conscious large groups in markets with strong HMO network coverage. Victor Insures You compares HMO options against PPO, EPO, and level-funded alternatives...

A PPO plan gives your employees a broad network of doctors and hospitals with the flexibility to see out-of-network providers at a higher cost-share — a favorite for large groups that want choice without a referral requirement. Victor Insures You benchmarks PPO options across the full carrier...

Minimum Essential Coverage (MEC) plans satisfy ACA employer mandate requirements at a lower cost than traditional major medical plans, often paired with supplemental coverage to round out protection for employees. Victor Insures You helps large employers evaluate whether an MEC strategy fits their...

Level-funded and captive health plans combine the predictability of fully insured premiums with the potential savings and transparency of self-funding — a strategy increasingly popular with mid-size and large employers who want more control over their healthcare spend. Victor Insures You...

Self-funded (ASO) health plans let larger employers pay claims directly instead of paying fixed premiums to a carrier, unlocking access to claims data, plan design flexibility, and long-term savings for groups with favorable claims experience. Victor Insures You helps 100+ employee organizations...

Fully insured group health plans provide predictable monthly premiums with the carrier assuming all claims risk — a straightforward option for employers who want budget certainty. Victor Insures You represents employers (not carriers) throughout the fully insured RFP process: gathering competitive...

Every employee at a Victor Insures You client organization gets a personal, mobile-friendly Employee Navigator portal to view and manage their own benefits, update dependents, access ID cards, and complete open enrollment without HR intervention. This self-service model cuts down HR's...

Employee Navigator is a cloud-based (SaaS) benefits and HR platform that requires no on-premise installation or IT support — employers and employees access everything through a secure web browser or mobile app. Victor Insures You includes full Employee Navigator access with every large-group client...

Employee Navigator streamlines new-hire onboarding for Victor Insures You's large-group clients, automating benefits enrollment, new-hire paperwork, and eligibility notifications to carriers the moment a new employee is added to the system. This eliminates duplicate data entry between HR, payroll,...

Victor Insures You includes complimentary access to mineral (formerly ThinkHR) with every large-group client relationship — an on-demand HR and compliance support platform featuring live HR advisors, an employee handbook builder, harassment-prevention training, and multi-state compliance tracking...