KBenefits Insurance Services
Insurance - Medicare - Retirement

Employee Benefits

Employees are your greatest investment.  Employee benefits are a surefire way to attract and retain a productive workforce. As your broker, we make it easy to offer your employees plan options from the top insurance carriers.  Employers can offer a la carte benefit packages which include health, dental, vision, life insurance and medicare plan options.


Our no-fee broker service gives you access to professional insurance advice and dedicated customer service. Contact us for questions, plan options and enrollment assistance.


Group Health Plans
Enroll your employees into a group health plan offered by Horizon BCBS, Oxford, Amerihealth, Aetna or Oscar.

Dental, Vision & Life
Add on extra benefits la carte style.  Employers can add group dental, vision and life insurance to the employees benefits package.

Medicare has it's advantages.  Find out if your Medicare-eligible employees would be better covered with Medicare.

Small group health insurance

Horizon BCBS offers a full range of employee benefit plan options for NJ employers.  Access to leading providers and hospitals.  Connect to care 24/7 with online tools and the Horizon Blue app.  BCBS offers convenient medication refills delivered to your home - Pill Pack by Amazon Pharmacy.

Amerihealth offers small group health plans of all shapes and sizes to fit the varying types of small businesses across the Garden State.  Find the health plan that fits you and your employees just right and keeps health care costs down.

Oxford health plans offer benefits to NJ employers with 1-50 employees.  Oxford has three local network options. A wide range of benefit plan choices, including traditional and consumer-driven products paired  with a health savings accounts, HSA's.

Oscar health plans are easy to understand, affordable, and easy to customize for your team.  Top doctors and hospitals. Learn why Oscar is the right option for your small business  NJ and NY businesses can save time and money with Oscar.

Members Health Plan NJ, an association based self-funded, non-profit trust (also known as a MEWA), that is designed to reduce costs and give small and medium-sized employers greater access to a broader choice of health plan benefits.

Elevated Wellness Associates is a national organization dedicated to the health and wellness of employees at small and midsize companies.  Formed prior to 1993, the association now serves 75,000 employees via relationships with some 5,000 companies

Aetna AFA:   Aetna Funding Advantage is a self-funded product built specifically for small businesses. It has one stable monthly payment, the opportunity to get money back when claims are lower than expected and the protection of stop-loss insurance when claims are higher than expected.

Oxford/UHC level funded health plans are an excellent option for groups that are looking for ways to manage health care costs.  Level-funded plans can save 15-30% vs fully insured ACA small-group plan while offering a possible "return of premium".

National Benefits (Allstate):   With our NatGen self-funded program your premium dollars are split three ways:  claims funding, stop-loss insurance, and administration.  Self funded benefit plans have the potential for "return of unused premiums" when claims are low.  Why pay for healthcare that isn’t used?

Payroll & PEO Services

ADP Payroll works best for mid-sized and large companies. Or for small companies that are looking to grow and want a payroll and HR system that will grow with them.

Resourcing Edge uses a state-of-the-art online payroll solutions designed to provide small businesses the best payroll processing experience possible. Ppayroll processing is done conveniently and affordably for any small business.

Heartland is a full-service online payroll system that handles all payroll processing and payroll tax obligations. It comes with a number of other added services, like new hire reporting and applicant tracking and onboarding, for no extra charge.

Let's Talk:
Contact us for questions, plan options and enrollment assistance. 
Call:     732-333-1976
Email:  chris@kbenefits.com

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KBenefits, LLC
Christopher S. Kudryk

KBenefits provides insurance solutions for small business owners and individuals in NJ & NY.  Contact KBenefits today and see how we can benefit you.

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