CPS Group Benefits has partnered with BEST Life to market medical, dental, vision and life insurance to small businesses throughout 38 states – and to provide you with the opportunity to offer a powerful health care solution to your small business clientele.

Here are just a few highlights about BEST Life:

• Headquartered in Irvine, California, BEST Life has been providing insurance to small group businesses since 1962. AM BEST Review rated BEST Life’s financial strength “Very Good” for the 2007 fiscal year.
• “Build Your Own” medical plans and flexible plan designs allow brokers to customize a BEST Life plan on the spot.
• 24-hour access to online quoting tool and online access to enrollment materials.
• Rapid claims payment systems. BEST Life’s capability to process claims within days has remained a BEST Life trademark.
• Along with great coverage, BEST Life offers what many insurance carriers cannot: personal attention. BEST Life maintains the distinction of being a full-service company that is able to meet the concerns of their members at a moment’s notice and on an individual basis.

BEST Life Products
BEST Life offers a complete portfolio of health plans for small and large employers.

Quality Medical
Traditional Medical PPO and High Deductible Health Plans (HDHP) are available as employer-sponsored as well as consumer-driven options. Both provide access to national and regional PPO networks in AZ, GA, ID, IL, IN, MO, NV, OH, OK, TN, TX and UT.

Health Solutions II – A popular “build your own plan” option that provides groups with the coverage they need at competitive prices.

Health Solutions HDHP – BEST Life offers high deductible health plans that are compatible with Health Savings Account. These plans provide an affordable alternative to traditional health coverage.

Reliable Dental
With over 80,000 members covered, BEST Life maintains a variety of affordable plans to fit many different budgets. Dental PPO and Indemnity plans are available for small businesses down to two lives; custom plans can be created for large employers as well.

PPO Dental – Plans offer dental insurance with in-network incentives. Members can save money when selecting an in-network dentist or they can visit any non-network provider and receive coverage at a lower benefit level.

• Can be offered with great options like adult orthodontia and 2-year rate guarantees.
• Access to national and regional PPO networks.
• Available in AZ, CA, DC, FL, IL, IN, MD, MI, MO, NE, NV, OH, TX and UT.

IndemnityPlus Dental – Provides the same coinsurance levels in and out-of-network PLUS the option to utilize BEST Life’s passive PPO networks for additional out-of-pocket savings.

• Can be offered with great options like adult orthodontia and 2-year rate guarantees.
• Access to national and regional PPO networks.
• Available in AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, MI, MS, MO, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA and WY.

Trusted Vision
Offer a true indemnity vision plan that can be written on a stand-alone basis for groups with 5 or more enrolling, or as a rider with any of the other BEST Life voluntary or employer-sponsored products.

Stand Alone Vision

• Employer-sponsored and voluntary available.
• Contacts can be offered in lieu or frames and lenses or in addition to frames and lenses.
• Benefits include an Outlook Vision Discount Card that offers access to over 10,500 optical centers and 10% to 50% off the regular retail price of eyeglasses, contact lenses, sunglasses and corrective surgery.
• Enrollees get access to the QualSight Lasik Network of experienced ophthalmologists for discounts on laser eye surgery.

Grow Your Business
BEST Life offers a selection of group life policies, including a portable and voluntary policy. All come with dependent spouse coverage and the option to add AD&D coverage.

Please contact your CPS Group Benefits Representatives for additional information.