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The Benefit Market Requires Innovative Solutions: Specialty Products

Different situations require unique solutions. Leader/Emerson knows that niche products may be the differentiator our brokers need to solidify the relationship with the client.

Alternate Funding Pharmacy Program

With complete pricing transparency, the new NJHA program can lower the cost of many plans by 7% to 10%, with significantly greater savings potential for "carve outs" from fully insured medical plans.
Learn More | Brochure

Stop-Loss Insurance

If our broker's client needs medical stop loss, Leader/Emerson can help. We work with four top reinsurers to deliver the best product and price. Whatever your stop loss needs...we have a solution. To learn more, contact your Leader/Emerson sales representative.

Worksite Benefit Communication/Enrollment 500+

An interactive communication, enrollment and benefit management program.
Learn More | Brochure

Hospital Life Insurance

Hospital Group Life Insurance Trust. We work with three hospital Life Insurance Trusts. We get the best pricing and product for our broker's hospital clients. We have incredible plan flexibility and extended rate guarantees. To learn more, contact your Leader/Emerson sales representative.

PremiumScript Pharmacy Program

OutPatient Pharmacy Plan, a unique solution for prescription needs.
Learn more | Brochure - Affordable RX Plan | Brochure - Group Specific Plan

Limited Medical Programs

Focuses on employees who are not eligible for company benefits such as, part-timers, 1099s, and seasonal employees as well as those who cannot afford traditional company benefits. Leader/Emerson offers carriers such as Health Flex, and Foundation One.

Providing flexible options are essential in handling the competitive and ever changing health care marketplace. Through innovative programs, Leader/Emerson provides better access to quality healthcare.

Optimized Benefits

Optimized Benefits is not insurance, but rather a valuable discount program featuring savings and benefits in the categories of pharmacy, vision, vacation and dental. Leader/Emerson brokers have exclusive access to this program as a way to differentiate themselves from other brokers.
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