Supplemental Health Benefits
Strengthening Employee Benefits. Protecting Individuals & Families.
Financial Protection Beyond Major Medical
At Black Onyx & Associates, we understand that even the best Major Medical plan doesn't cover every expense. Deductibles, copays, lost income, travel expenses, and everyday household bills can quickly create financial stress when an unexpected illness or accident occurs.
That's why we help employers, individuals, and families build a comprehensive benefits strategy by combining Major Medical coverage with supplemental health benefits that provide an extra layer of financial protection.
Our goal is to help clients prepare for life's unexpected moments—while protecting their health, finances, and peace of mind.
Supplemental Benefits for Employers
A strong voluntary benefits program enhances your employee benefits package while helping your workforce better prepare for unexpected medical expenses.
Black Onyx & Associates partners with employers to design customized supplemental benefits programs that:
Enhance employee benefit offerings
Improve employee recruitment and retention
Increase employee financial wellness
Complement existing Major Medical coverage
Provide valuable protection with affordable payroll deduction options
Support employees and their families during life's unexpected events
From implementation and employee education to enrollment and ongoing service, we serve as your trusted employee benefits advisor throughout the year.
Supplemental Health Solutions
We offer a variety of supplemental insurance solutions designed to help fill the financial gaps left by traditional health insurance, including:
Accident Insurance
Critical Illness Insurance
Cancer Insurance
Hospital Indemnity Insurance
Short-Term Disability Insurance
Dental Insurance
Vision Insurance
Life Insurance
These benefits are designed to provide additional financial support when covered events occur and can help offset out-of-pocket costs that Major Medical insurance may not fully cover.
Individual & Family Supplemental Coverage
Whether you're self-employed, between jobs, protecting your family, or simply looking to strengthen your existing health coverage, Black Onyx & Associates can help you select supplemental plans that fit your lifestyle and budget.
We'll help you determine which benefits best support your financial goals based on your:
Family needs
Occupation
Health concerns
Income protection goals
Budget
Existing health insurance coverage
Long-term financial planning
Our personalized approach ensures you receive coverage that works alongside your current health plan—not in place of it.
Why Choose Black Onyx & Associates?
When you partner with Black Onyx & Associates, you receive more than insurance—you gain a trusted advisor committed to helping you build a complete protection strategy.
Our commitment includes:
Personalized Benefits Consultations
Customized Employer Benefit Strategies
Individual & Family Protection Planning
Access to Leading Insurance Carriers
Employee Education & Enrollment Support
Ongoing Client Service & Annual Benefits Reviews
Dedicated Advocacy Before, During & After Enrollment
We believe every client deserves personalized guidance, exceptional service, and benefits solutions that provide confidence when they're needed most.
Complete Your Benefits Strategy
Major Medical insurance protects your health.
Supplemental Benefits help protect your finances.
Together, they create a more complete benefits package that supports employees, individuals, and families through life's unexpected challenges.
Whether you're an employer looking to strengthen your employee benefits program or an individual seeking additional financial protection, Black Onyx & Associates is here to help you build a benefits strategy that works for today—and tomorrow.
Black Onyx & Associates
Coverage That Cares. Protection You Can Trust.