Open enrollment on-station
We run open enrollment at the station, for every shift, with the carrier on speakerphone for member-specific questions. No portal-only enrollment with a help line nobody answers.
Get a QuoteInsurance Programs / Group Medical
Health Insurance Coverage.
Group medical plans engineered for small departments, mutual-aid groups, and 911 centers — including HSA-eligible high-deductible options, level-funded designs, and PPO networks that actually cover the rural hospitals your members drive past. No carriers that price out at the second renewal.
- PPO networks & rural hospital access
- HSA, HDHP, and level-funded design
- ACA compliance & ALE reporting
Three coverage areas a chief, finance committee, and HR director should understand before signing a single open-enrollment packet.
What's Inside Health Insurance
The Coverage, Without the Jargon.
Three coverage areas a chief, finance committee, and HR director should understand before signing a single open-enrollment packet.
Plans built around networks that include the rural and critical-access hospitals your members actually use — not just the urban systems a national carrier reflexively contracts. We map every network against the zip codes on your roster before quoting a plan.
Bundled With Health Insurance
The Services That Come With It.
Four services bundled with every Health Insurance program — because group medical is the line item members judge the department by every January 1.
Mid-year claims & utilization review
A mid-year review of utilization, large claims, and network steerage data — so renewal conversations start with data, not a 14% increase letter.
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COBRA & life-event administration
Termination, retirement, divorce, and dependent age-out events handled by our administrator, so the department's HR seat doesn't become a part-time benefits desk.
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Renewal strategy & RFP
Every renewal includes a market RFP against at least three alternative carriers, with a side-by-side delivered 90 days before the renewal date — so the board votes on options, not on a single quote.
Get a QuoteHow It Works
From First Call to Bound Policy.
A three-step process designed so health insurance is not the line item that erodes department morale every January.
01
Census, network, and claims audit
We build the census, map every member's zip code against carrier networks, and pull three years of claims and utilization data before quoting a single plan.
02
Plan design & funding modeling
We model PPO, HDHP, and level-funded options against your actual claims history, with the per-member-per-month math and the worst-case-year math both shown.
03
Enroll, bind, and administer
We bind coverage, run on-station open enrollment for every shift, and stand up COBRA, life-event, and ACA reporting administration before the effective date.
Why Health Insurance With VFIS
The Specialty Difference.
A general agent quotes the cheapest plan and disappears for 11 months. We run mid-year reviews, market RFPs at every renewal, and a level-funded option for departments that have earned a better deal than their region's average rate.
Network mapping against rural zip codes, level-funded surplus mechanics, ACA ALE thresholds, and the difference between a 2% increase and a 14% increase at renewal — all answered by a benefits advocate who runs your open enrollment in person.
Get a QuoteFAQs
Questions About Health Insurance.
The four questions chiefs and boards ask most before binding Health Insurance — or before switching it onto an existing VFIS account.
Career and combination fire and EMS departments, 911 dispatch centers, fire districts and authorities, and training academies with at least 5 enrolled employees. Volunteer departments with paid administrative or chief positions also qualify on a case-by-case basis.
Ready When You Are
Bring Health Insurance to Your Department.
A side-by-side comparison against your current renewal, with PPO, HDHP, and level-funded designs all modeled against your actual claims history and zip-code network coverage.