Make First Choice Your Choice for Employee Benefits

First Choice Insurance of America provides companies with employee benefits programs and services. Our programs are designed to help you recruit and retain talent in today’s competitive business environment. At First Choice, we don’t believe in a one-size-fits-all solution. Working closely, we help you understand the current market dynamics, identify your goals and pain points, and then develop a tailored strategy to meet your business needs.


Health Insurance: Tailored to Your Business

We provide several distinct solutions depending on your needs. From traditional plans (PPOs, HMOs) to stop-gap medical programs and self-funded plans, we will design a program that balances your desire to provide your employees with key benefits within your budget. We also have access to private health care exchanges, which may lower your costs and/or streamline your benefits programs. 

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Dental Plans: Offering Choice

We offer Group Dental plans designed to meet the needs of employees. Plans can cover basic services such as routine dental check-ups and cleaning as well as provide additional services such as fillings, root canal and other procedures; orthodontia; and oral surgery, endodontic and periodontics procedures.

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Life Insurance: For a More Secure Tomorrow

Group Life Insurance enables you to provide your employees with the opportunity to obtain coverage and the sense of safety and peace of mind they desire. In the event one of your employees passes away unexpectedly, a Group Life insurance plan will provide compensation to his or her family. Basic Group Life insurance plans do not typically require a medical exam. Risk is spread across the employee base with relatively low limits, and no underwriting is involved. There are several options from which to choose, depending on the size of your firm: an employer-paid Term Life plan, a supplemental employee-paid Term Life insurance option for increased coverage, a Term Life plan for dependents and domestic partners, a shared-cost or employee-paid Whole Life insurance policy, and supplemental coverage options such as Accidental Death and Dismemberment (AD&D). Our Benefits specialist will review each option with you, comparing pricing and benefits, to determine what’s right for your organization and employees.

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Disability Insurance: Protecting the Paycheck

We can add Group Disability options to your benefits program providing employees with a safety net for non-work-related injuries or illnesses. Long-Term Disability (LTD) plans, after an elimination period, provide benefits to employees typically for two years, five years, 10 years, to age 65, or for life, depending on the policy. These plans will pay up to 50% to 70% of the employee’s pre-disability salary, providing a steady stream of income to help employees meet their day-to-day financial obligations while they are unable to work. A Short-Term Disability (STD) pay benefits for short periods of time—typically three months, six months, or one year, after a brief waiting (elimination) period.

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Voluntary Benefits: Adding Flexibility to Your Program

First Choice can help expand your benefit packages with Voluntary Benefits for your employees. These benefits typically include supplemental Health, Life insurance, AD&D, Dental, Vision, and Critical Illness, among others. In addition, you can choose to expand your Voluntary Benefits to include access to wellness programs, mental health services, and telehealth – the type of services today’s employees are increasingly seeking.