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J.S. Clark Agency is proud to offer these top medical insurance, dental insurance, vision care, life insurance and financial services providers for our employee benefits plans.
Blue Cross Blue Shield of Michigan
 The Blue Cross Blue Shield Association (BCBSA) is an American federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield health insurance companies, in total covering over 100 million Americans. Blue Cross Blue Shield of Michigan is dedicated to providing affordable, quality health care and doing all they can to create stronger, healthier Michigan communities and have maintained this same mission for nearly 70 years.
Blue Care Network
 Blue Care Network of Michigan and its subsidiaries have more than 635,000 members. Blue Care Network features award-winning disease management programs and the largest HMO network of physicians and hospitals in the state, with more than 4,300 primary care physicians, 10,200 specialists and 116 hospitals. Blue Care Network, a nonprofit corporation, is the affiliated HMO of Blue Cross Blue Shield of Michigan and an independent licensee of the Blue Cross and Blue Shield Association.
Priority Health
 Priority Health is a locally owned and nationally recognized health insurance company. Approximately half a million people in Michigan are covered by Priority Health plans. More than 8,000 employers offer Priority Health coverage to their employees. More than 12,000 doctors and other health care providers have chosen to participate in the Priority Health network. Our network also includes 100 acute-care hospitals. Priority Health offices are located in Farmington Hills, MI, Grand Rapids, Holland, Jackson, Kalamazoo and Traverse City, Michigan. Priority Health serves members across 65 counties of lower Michigan. J.S. Clark Agency is proud to offer this health care provider.
Health Alliance Plan 
Health Alliance Plan of Michigan, a nonprofit health plan company, provides managed health care insurance products and plans for individuals, families, employees, and companies. Its products include health maintenance organization (HMO), point-of-service, preferred provider organization (PPO), exclusive provider arrangement, exclusive provider option, medicare advantage plans, and high deductible HMO plans, as well as consumer directed health plans with health savings accounts, PPO plans for individuals and families, and health coverage continuation plans for autoworkers. The company also offers coverage for screenings, such as cancer screenings, routine physicals, well-child visits, and flu shots; and behavioral and medical disease management programs for members. In addition, it provides its services online. The company was founded in 1979 and is headquartered in Detroit, Michigan. Health Alliance Plan of Michigan operates as a subsidiary of Henry Ford Health System.
Health Plus of Michigan 
HealthPlus of Michigan is a licensed not-for-profit Health Maintenance Organization providing health care coverage to more than 200,000 members from Oakland County north through Bay County along the I-75 corridor. HealthPlus arranges for the delivery of health care through a variety of commercial products and government programs: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Point of Service (POS), Medicare Advantage and Medicaid programs. HealthPlus’ HMO network is comprised of more than 900 primary care physicians, 1,800 specialists and 29 hospitals, including nearly 625 ancillary providers such as nursing homes, mental health facilities, laboratories, durable medical equipment providers and ambulance services.
CIGNA
 CIGNA can trace its roots back to 1792, and the founding of the Insurance Company of North America (INA), the US's first marine insurer. Its first life insurance policy was issued two years later. In 1865, the Connecticut General Life Insurance Company (CG) was formed in Hartford, Connecticut. Nearly 120 years later, in 1982, CG and INA merged to form CIGNA. In 1993 CIGNA introduced its Tree of Life brand identity. In 1998, CIGNA sold its individual life insurance business to Lincoln National Corporation, and the next year it sold its property and casualty insurance business to ACE Limited. In 2000, it sold its reinsurance business to Swiss Re. In 2004, it sold its pension business to Prudential Financial. CIGNA's business segments include CIGNA Healthcare, CIGNA Group Life & Disability, and CIGNA International, all core businesses designed to help customers improve their health, well-being and security.
AETNA 
Aetna is one of the nation’s leading diversified health care benefits companies, serving members with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life, long-term care and disability plans and medical management capabilities. Their clients include employer groups, individuals, college students, part-time and hourly workers, health plans and government-sponsored plans.
United Healthcare 
United Healthcare offers health insurance coverage for individuals and families through its affiliates including United HealthCare Insurance Company, Golden Rule Insurance Company, American Medical Security Life Insurance Company, PacifiCare Life and Health Insurance Company, PacifiCare Life Assurance Company and PacifiCare of California.
McLaren Health Plan 
McLaren Health Plan has been serving mid-Michigan communities for years. Our provider networks include thousands of doctors and many leading hospitals throughout the 17 counties we serve. McLaren offers a variety of health care products to meet employees individual needs, such as HMO, Point of Service, PPO and Medicaid plans.
Delta Dental Plans
Delta Dental Plans Association is a not-for-profit organization with some for-profit affiliates as member companies. We offer national dental coverage with dental benefits programs for a wide range of employers, large and small, as well as individual dental coverage. Delta Dental's independent member companies administer programs and reporting systems that provide employees with quality, cost-effective dental benefits programs and services. J.S. Clark Agency is proud to offer this dental insurance provider.
MetLife Insurance
MetLife, Inc. is a leading provider of insurance and other financial services to millions of individual and institutional customers throughout the United States. Outside the U.S., MetLife companies have direct insurance operations in Asia Pacific, Latin America and Europe.
Total Health Care
Total Health Care provides health insurance products and related services to members in the four counties of the Detroit area, while its subsidiary Total Health Choice serves southeast Florida. The HMO serves more than 75,000 members and has a contract with the State of Michigan to serve patients with Medicaid coverage. Its affiliation network includes more than 450 health care centers and 2,000-plus physicians. Total Health Care was established in 1973.
The Hartford
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a Fortune 100 company and one of America’s largest investment and insurance companies. With 2007 revenues of $25.91 billion, The Hartford is a leading provider of investment products, life insurance and group benefits; automobile and homeowners products; and business property and casualty insurance. The company’s international operations are in Japan, the United Kingdom, Canada, Brazil and Ireland. The company’s earnings are divided equally between property-and-casualty operations and life operations.
SunLife Financial
Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth management products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide. SunLife offers Individual Fixed, Fixed Index and Variable Annuities, Individual Life Insurance, Corporate-owned and Bank-owned Life Insurance (COLI/BOLI), Group Life, Disability, Dental and Medical Stop-Loss Insurance, Investment Management Services and Reinsurance.
UNUM 
J.S. Clark offers, UNUM , a Fortune 500 company, a market leader in disability, group life, long term care and voluntary benefits. UNUM’s disability, long term care, life and voluntary insurance products are backed by 10,000 employees with an unwavering commitment to meeting the needs of their customers.
The Standard 
For more than 100 years, The Standard, through its subsidiaries, has helped people achieve financial security so they can confidently pursue their dreams. Approximately 8.5 million people across the country depend on our financial products and services. But even more than our products, it is our industry-recognized expertise and singular focus on customer service that inspire confidence that set us apart. The Standard, offers a positively different way of doing things and taking pride in earning and keeping your business.
Mutual of Omaha Companies
A full-service, multi-line provider of insurance and financial services products, Mutual of Omaha offers products and services that provide financial protection to help families, individuals, businesses and groups achieve their goals. Our diverse offering of products and services include: Annuities and Retirement Plans, Banking, Dental Insurance, Disability Insurance, Employee Benefit Plans, Investments, Life Insurance, Long Term Care Insurance, Medicare Supplement Insurance, Voluntary/Worksite Products.
Lincoln Financial Financial Group 
The Lincoln Financial companies offer a variety of financial products and services: life Insurance and long-term care protection, annuities, individual and group retirement plans, group benefits, mutual funds and investment management through Delaware Investments.
Principal Financial Group 
The Principal Financial Group® (The Principal®) is a leading global financial company offering businesses, individuals and institutional clients a wide range of financial products and services. Their range of products and services includes retirement solutions, life and health insurance, wellness programs, and investment and banking products through our diverse family of financial services companies and national network of financial professionals.
Assurant Employee Benefits 
Assurant Employee Benefits specializes in quality employee benefits and services, including long-term and short-term disability, life and accidental death and dismemberment insurance, dental coverage, and disability reinsurance management services. Assurant Employee Benefits also offers voluntary (employee-paid) disability, life and dental plans. Products and services marketed by Assurant Employee Benefits are underwritten or provided by Union Security Insurance Company, Union Security Life Insurance Company of New York, or an affiliated prepaid dental company. Underwriting flexibility allows Assurant Employee Benefits to market tailor-made benefit plans for groups of most any size.
EyeMed 
For nearly two decades EyeMed has provided flexible, comprehensive vision wellness plans. EyeMed currently serve s the vision care needs of more than 140 million members through 4,000 clients. EyeMed is dedicated to improving the vision of their members and their dependents. J.S. Clark Agency is proud to offer this vision care provider.
Prudential Insurance 
Prudential Financial, Inc. is a Fortune Global 500 and Fortune 500 company whose subsidiaries provide insurance, investment management and other financial products and services to both retail and institutional customers throughout the U.S. and in over 30 other countries. Principal products and services provided include lif insurance, annuities, mutual funds, pension and retirement-related investments, administration and asset management, securities, brokerage services, and commercial and residential real estate in many states of the U.S. It provides these products and services to individual and institutional customers through distribution networks in the financial services industry.
Guardian Insurance 
The Guardian Life Insurance Company of America (GLICOA) is a Fortune 300 company founded in 1860 in New York City. It is the fourth largest mutual life insurance company in the U.S. Guardian has more than 5000 employees and more than 3,100 financial representatives and 86 agencies nationwide, working through 13 affiliate companies and subsidiaries. Guardian has nearly three million customers who hold the company's individual life and disability income insurance and investments products (such as variable annuities, mutual funds, stocks and bonds). It also has another five million customers covered by its employee benefits, including life, health and dental insurance; pension plans; and 401(k) products. For the fiscal year 2007, the company reported $7.4 billion in sales and $39.5 billion in assets.
VSP (Vision Service Plan) 
J.S. Clark offers VSP, which has contracts with 31,000 clients, including more than 100 health plans. VSP is dedicated to supporting clients' wellness initiatives in Michigan. They have developed the Eye Health Management Program to educate clients and members about the importance of overall wellness. Vision Service Plan works with more than 16,000 brokers and consultants, including independents, general agents and national brokerage firms. VSP is committed to providing plans and services that fit both our brokers’ and their clients’ needs. They have more than 25,000 doctors in 19,000 offices across the country. Whether our members live in cities, suburbs or rural areas, doctors are nearby—an average of only four miles from where members live and work. Also, doctors provide both eye exams and eyewear, making them a convenient "one-stop" means of obtaining eyecare benefits.
Humana 
Humana Inc. (Humana) is a health and supplemental benefits companies. The Company is a full-service benefits solutions company, offering an array of health and supplemental benefit plans for employer groups, government benefit programs, and individuals. As of December 31, 2007, Humana had approximately 11.5 million members in its medical benefit plans, as well as approximately 6.8 million members in its specialty products. It manages its business with two segments: Government and Commercial. The Government segment consists of beneficiaries of government benefit programs, and includes three lines of business: Medicare, Military and Medicaid. The Commercial segment consists of members enrolled in its medical and specialty products marketed to employer groups and individuals. In September 2008, the Company acquired Metcare Health Plans, Inc. In October 2008, Humana acquired PHP Companies, Inc. (doing business as Cariten Healthcare) from Covenant Health.
Reliance Standard
J.S. Clark is a proud representative for Reliance Standard Life Insurance, a subsidiary of employee benefits holding company Delphi Financial Group, provides group life, disability, and accident insurance policies that are incorporated into employee benefits packages. Reliance Standard also underwrites dental and vision plans and offers annuities targeting individuals planning for retirement. Independent agents and brokers sell the company's products throughout the US. Reliance Standard Life Insurance was founded (as Central Standard Life) in 1907 and was acquired by Delphi Financial Group in 1987.
DenCap Dental Plans
J.S. Clark offers DenCap Dental Plans which was founded in 1984 with the mission to provide high quality, affordable dental coverage to employer groups. One of the first State-licensed DHMO’s in Michigan, DENCAP Dental Plans prides itself on accessible and proficient customer service.
AFLAC
AFLAC (whose popular ads feature a valiant duck voiced by comedian Gottfried Gottfried) sells supplemental health and life insurance policies that cover special conditions. The Group's principal activity is to provide supplemental health and life insurance services through its subsidiary American Family Life Assurance Company of Columbus. The Group also sells care plans, general medical expense plans, medical/sickness riders to cancer plan, living benefit life plan, accident plan, sickness and plan in addition to the cancer plans. The cancer life insurance plans provide a fixed daily indemnity benefit for hospitalization and outpatient services related to cancer and a lump-sum benefit upon initial diagnosis of internal cancer. The Group's hospital indemnity products provide fixed daily benefits for hospitalization due to accident or sickness. The other types of supplemental health insurance are hospital intensive care, accident and disability, hospital indemnity, long-term care, short-term disability and dental plans. The Group operates in the United States and Japan. Provides supplemental health and life insurance services primarily in the United States and Japan.
Free Consultation
Schedule a free employee benefits plan consultation now. Call 248.355.9600 or fill-in the business health insurance quote form here. A J.S. Clark benefits specialist will respond to you promptly. You’ll get answers on insurance packages with plan options or any other issues that concern you. Thanks for your interest in the J.S. Clark Agency – Employee Benefits Experts.
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