CAO Associates


CAO’s employee benefits expertise comes into focus at the critical juncture of carrier and insured. Recognizing that one size doesn’t fit all, we work with you to Customize Affordable Options. We specialize in solutions for customers that balance employee satisfaction with reasonable employer cost.

Health Plan Solutions

Technology

Supplemental Indemnity Plans

Specialty Coverage

Supplemental Indemnity Plans

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Bridging the Deductible Gap


The primary supplemental indemnity plan approach CAO works with is supplemental health plans. These plans assist employers with higher deductible health plans by providing a “bridge” between the current deductible and a higher deductible plan for their employees.

Supplemental health plans may lower costs and save employers more money than a lower deductible health plan. Employees are also able to maintain lower out-of-pocket exposure. 

CAO works with other types of supplemental coverages such as short-term disability, accident, critical illness, and hospital coverages for their clients.