A fruitful partnership with SWIM Inc. leads to a clear picture of your future—whether you’re a small company seeking coverage or a large corporation pursuing insurance plans to match your goals. We’ll find the best benefit solution for you.

While we may focus our immediate strategic discussions on your cost management demands, our expansive scope of services allows us the ability to reveal additional enormous opportunity for increasing financial performance across the entire range of your benefits program.



Swim-Medical-InsuranceGroup Medical Insurance
The most intricate product offered within an employer’s benefits package to its employees. Group insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company. We will help you navigate group coverage through one of our carriers or the new Exchange.

Group Dental InsuranceGroup Dental Insurance
Your dental benefits are an important part of managing your health and creating a personal safety net. One of the many reasons why SWIM and its affiliates are committed to providing access to group dental plans that help you live healthier and save.

Group Life InsuranceGroup Life Insurance
Do your employees have enough life insurance? Do they have life insurance at all? Life insurance is an important component to the development of a strong competitive benefits package. SWIM works with its clients to develop programs that meet wide-ranging needs.

Short Term Disability InsuranceShort Term Disability Insurance
A physician-documented disability often results in a loss of income. Our short term disability insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. A SWIM team member will help you select the right amount of disability insurance benefits for your needs, as well as the length of time they are payable.

Swim-Long-Term-DisabilityLong Term Disability Insurance
Long Term Disability insurance replaces a portion of your income during an extended period of a disabling illness or accident. By providing a steady stream of income while you are unable to work, Long Term Disability insurance can help you meet your financial obligations. SWIM offers Long Term Disability insurance through employers and also directly to individuals.

Vision InsuranceVision Insurance
A vision benefit plan is a highly valued product solution because there is control in the form of maximums and frequencies on plan coverage based on each individual’s unique needs. We have appropriate product strategy that creates a simple and accessible benefit for the employee that provides a comprehensive user experience.

Long Term Care InsuranceLong Term Care Insurance
Long term care insurance helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking. Once a change of health occurs long-term care insurance may not be available.

Worksite/Voluntary BenefitsWorksite/Voluntary Benefits
Worksite benefits allow employees to select the benefits that are best suited for their own particular needs and fund these benefits themselves, using payroll deduction. This type of plan allows you to offer your employees more benefit choices without impacting your company’s benefits budget, while still sending the message, “We care about you.”

Medicare Supplements, Medicare Part D, and Medicare Advantage PlanMedicare Supplements, Medicare Part D, and Medicare Advantage Plan

Medicare Supplement
A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

Medicare Part D
These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

Medicare Advantage Plan
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

HR ComplianceHR Compliance
HR fines may exceed more than $400 million each year, so trust an HR leader with substantial regulatory experience to connect you with effective human resources compliance solutions including workers’ compensation insurance, COBRA administration, state unemployment insurance (SUI), and safety and loss programs – can help protect your business, with plans that cover your equipment, property, workforce, and yourself.

Wellness and Consumerism PlansWellness and Consumerism Plans
Studies show that 75% of chronic diseases and illnesses are related to lifestyle and behavior choices. As a result, emphasis is shifting from reactive care to preventive and proactive measures. As the primary providers of health benefits for American workers, employers realize that medical benefits alone cannot sustain a healthy workforce.

If your company is looking for a new way to address the age-old challenge of rising health care premiums, SWIM can help. We believe the most cost-effective employee benefits programs address plan design, disease management and wellness.