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Alternative Benefit Consultants, LLC

Employee Benefits | Health Insurance | Supplemental Insurance | Life Insurance Agency in Fredericksburg, VA.
4820 Southpoint Drive Ste103, Fredericksburg, VAOpening at 9:00 AMOpen today until 4:00 PMOpening at 9:00 AM tomorrowOpening at 9:00 AM on MondaySorry, we're closed
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Updates

Posted on Aug 5, 2018

Life’s full of unexpected moments. Planning ahead with supplemental insurance plans can help you feel more ready to handle the medical costs and out-of-pocket expenses that often accompany these unexpected events. Choose from a wide variety of plans, coverage, deductibles and benefits so you have...

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Posted on Aug 5, 2018

If you have loved ones that depend on you, you need life insurance. From choosing between whole and term life insurance to picking the right policy, we’re here to help you every step of the way.

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Posted on Aug 5, 2018

Individual, family, and employee health insurance plans can help cover expenses in the case of serious medical emergencies, and help you and your family stay on top of preventative health-care services. We have a trained team of unbiased Certified Health Insurance Agents that are always available...

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Services

Small and Large Group Health Benefits

  • Health Insurance

    If you need health insurance for your business, Alternative Benefit Consultants, LLC has a wide range of choices. Let our experts help you find the health insurance you need for your business. We work various Virginia, Maryland, and D.C. health Insurance providers, Including: Piedmont Community Healthcare, CareFirst BlueCross BlueShield, Anthem Blue Cross Blue Shield, Coventry Health, Cigna Health, United Healthcare, Kaiser Permanente, Innovation Health, Optima Health, Aetna.
  • ( FSA ) Flexible Spending Accounts

    With a healthcare FSA, employees can use tax-free funds to pay for eligible out-of-pocket medical, dental, and vision care expenses. Funds are moved to their FSA before taxes are deducted, which reduces their overall tax burden. Healthcare FSAs save your company money. Employees who have healthcare FSAs are typically more cost-conscious consumers who have lower healthcare costs, which can mean lower healthcare premiums for your company. And employee contributions to healthcare FSAs help reduce payroll taxes.
  • ( FSA ) Dependent Care Flexible Spending Accounts

    With a Dependent Care FSA, your employees can use tax-free funds to pay for dependent care services. Funds are moved to an FSA before taxes are deducted, which reduces their overall tax burden.Dependent Care FSAs save your company money since employee contributions to FSAs help reduce payroll taxes.
  • ( HRA ) Health Reimbursement Arrangements

    With an HRA, your company determines and sets aside a certain amount of pre-tax dollars in an account to pay for hundreds of eligible healthcare expenses.
  • ( HSA ) Health Savings Accounts

    With an HSA, your employees can set aside pre-tax money for eligible healthcare expenses and earn interest on and invest the money in the account. Funds are moved to an HSA before taxes are deducted, which reduces their overall tax burden. This simple and efficient tax-advantaged spending account brings together competitive interest rates, low fees, investment options, and a convenient, fully integrated, prepaid debit card for healthcare purchases.
  • ( CSA ) Commuter Savings Accounts

    With Commuter Benefits, employees can use tax-free funds to pay for parking and public transportation-such as train, subway, bus, ferry, trolley, or vanpool-as part of their daily commute to work. Funds are moved to the account before taxes are deducted, which reduces their overall tax burden. With Commuter Benefits, employees can save an average of 30 percent off their commute. Commuter Account can also save your company money. By transferring compensation from the employee's pay to a pre-tax account, you could reduce your payroll taxes by as much as 7.65% on the amount of pretax deduction made by your employees.

Group and Voluntary Benefits

  • Accident Insurance

    Take advantage an accident insurance policy to maintain peace of mind and help pay for emergency treatment, as well as for treatment‐related transportation and lodging.
  • Critical Illness Insurance

    Use our critical illness insurance to help with the treatment costs of life-changing illnesses and health events, so you can stay focused on recuperation.
  • Short-Term Disability Insurance

    Your paycheck helps you maintain your current way of life. If you find yourself unable to work, Aflac short-term disability insurance will provide cash to help ease the financial stress.
  • Dental Insurance

    It’s no secret that routine dental care contributes to good medical health. Dental insurance provides benefits for a variety of services, with no networks, deductibles, or precertification requirements.
  • Hospital Indemnity Insurance

    A trip to the hospital can be a little intimidating. And while we can’t take all the uncertainty out of your stay, we can help you make some of those unexpected costs a bit more manageable.
  • Cancer Insurance

    cancer insurance is here to help your family better cope financially if a positive diagnosis of cancer ever occurs. comfort and protection means the freedom to focus on more important things.
  • Life Insurance

    If something happened to you, would the financial future of your loved ones be protected? Help ease your mind with coverage that you and your family can rely on.
  • Vision Insurance

    We designed our vision plan so individuals and their families can be more proactive about caring for their vision.

Benefits Administrative Services

  • COBRA Administration Services

    one-stop shop for COBRA administration and compliance - from implementation to ongoing operations, including dedicated, knowledgeable employer and participant customer service. Ease the COBRA administrative burden, fully support your COBRA participants, and reduce the risk of noncompliance.
  • Direct Billing Services

    Direct Billing Services are a comprehensive set of direct billing and administrative services that are tailored to the needs of your specific employee population. Streamline your HR workload and reduce administrative costs.

Peace of mind comes from...

knowing you have the right insurance coverage to protect your Family or Employees against the many risks of life. 

At Alternative Benefit Consultants, LLC we are dedicated in providing the best customer service and professional assistance in planning and meeting your specific needs and budget.  

Our agency is family owned and operated in Fredericksburg, VA. with over 50 years of combined experience in the health, life and supplemental insurance business. As with our own family, we are here to provide you and your family or employees the personal peace of mind that should come from purchasing insurance.


Supplemental Insurance:

Alternative Benefit Consultants, LLC works with several Supplemental Insurance Companies, but often we recommend AFLAC Supplemental Insurance because of the fast payment method, including AFLAC One Day Pay.


Alternative Benefit Consultants, LLC works with several Supplemental Insurance Companies in Virginia, Maryland and D.C. including:



Health Insurance: 

Whether you need health insurance for yourself, your business, or your family, Alternative Benefit Consultants, LLC has a wide range of choices. Let our experts help you find the health insurance you need.  

Alternative Benefit Consultants, LLC works with various Virginia, Maryland, and D.C. health Insurance providers, Including:



Dental Insurance:

Affordable dental plans keep you smiling. There are probably a lot of things you'd rather do than go to the dentist. But your teeth and gums can be a gateway to good health. Alternative Benefit Consultants, LLC offers a choice of plans for adults and children that will fit anyone's budget.

Alternative Benefit Consultants, LLC works with various Virginia, Maryland, and D.C. Dental Insurance providers, Including:  




Vision Insurance:

You only get one set of eyes. A vision plan from Alternative Benefit Consultants, LLC will help you take care of them and save money at the same time. But vision insurance is more than that. Taking good care of your vision is important to your overall health.

Alternative Benefit Consultants, LLC works with various Virginia, Maryland, and D.C Vision Insurance providers, Including:   

 




Our licensed insurance agents are just a phone call away during business hours to discuss all Insurance questions you may have !  Call us at (540) 548-3484 

   




Contact Us

Contact

Call now
  • (540) 548-3484
  • (540) 548-2324
  • (540) 841-4394

Address

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4820 Southpoint Drive Ste103
Fredericksburg, VA 22407
United States

Business Hours

Mon:9:00 AM – 4:00 PM
Tue:9:00 AM – 4:00 PM
Wed:9:00 AM – 4:00 PM
Thu:9:00 AM – 4:00 PM
Fri:9:00 AM – 4:00 PM
Sat:Closed
Sun:Closed