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Insurance Plan Options

Innovative Solutions focused on small businesses

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Group Supplemental Insurance

Gap Health Insurance is a group supplemental health plan that works along with a high-deductible major medical plan.  Gap Plans have been growing in popularity as a solution to reduce overall out-of-pocket costs and supply better access to healthcare.

Professional Employer Organization Services (PEO)

Neuleben Advantage Insurance LLC works with (PEO) organizations that provide comprehensive HR solutions for small and mid-size businesses. Payroll, benefits, HR, tax administration, and regulatory compliance assistance are some of the many services PEOs provide to growing businesses.


A fully-insured health plan is the traditional way to structure an employer-sponsored health plan and is the most familiar option to employees.

HRAs are a self-insured option that deliver the cost benefits of self-insured plans without the risk and hassle, while increasing plan options for your employees.

Self-Funded Plan

An insurance arrangement in which the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan. In some cases, the employer may buy stop-loss coverage from an insurer to protect the employer against very large claims.

Level Funded Plans

An insurance arrangement in which the employer makes a set payment each month to an insurer or third-party administrator which funds a reserve account for claims, administrative costs, and premiums for stop-loss coverage. When claims are lower than expected, surplus claims payments may be refunded at the end of the contract.

Self-Funded, Multiple Employer Welfare Arrangement (MEWA)

Our Gold Coverage department is one of the busiest at Neuleben Advantage Insurance LLC.. Our clients know they can trust us to cover them for every eventuality. Click below to set up a free appointment with one of our expert agents.

Small Business Plan Options: Packages
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