Legal and Licensure

1. Who we are

© Solstice. This site is the home of Solstice Benefits, Inc. ("SBI"); Solstice Health Insurance Company ("SHIC"); Solstice Healthplans, Inc. ("SHP"); Solstice of New York, Inc. ("SNY"); Solstice of Illinois, Inc. ("SILL") and Solstice Administrators, Inc. ("SAI") and their affiliated companies. For other Solstice member companies, visit the [TBD] Web site.

2. What we do - identity and jurisdiction

  • Solstice Benefits, Inc. is a Life and Health Insurer pursuant to the Florida Insurance Code authorized to write the Accident and Health, Prepaid Limited Health Service Organization, and Discount Medical Plan Organization lines of business as well as provide Third Party Administration. SBI administers and markets a wide range of dental and vision benefit plans in Florida and Georgia.
  • Solstice Health Insurance Company is a Accident and Health Insurer pursuant to the New York Insurance Code offering. SBI administers and markets a wide range of dental and vision benefit plans in New York.
  • Solstice of New York, Inc. is licensed as a Third Party Administrator in New Jersey, Pennsylvania, Maryland and Ohio. SNY is also licensed as an Organized Delivery Service in New Jersey. SNY administers and markets a wide range of dental benefit plans and provider networks in New York, New Jersey, Pennsylvania, Maryland and Ohio.
  • Solstice of Illinois, Inc. offers Third Party Administration in Illinois.
  • Solstice Administrators, Inc. offers Third Party Administration in California.
  • "Solstice Healthplans, Inc.is a licensed Prepaid Limited Health Service Organization pursuant to the Florida Insurance Code. SHP administers and markets a wide range of dental benefit plans in Florida.

3. Timeliness

The companies have taken reasonable steps to ensure that the information in these web sites is accurate and timely; however, the companies do not assume any responsibility for errors or omissions in these sites. These sites are subject to change without notice. Links to other sites, or any other links, documents, changes or updates within linked sites are provided only as a convenience and are not under the companies' control. Links are not endorsements by the companies and do not necessarily reflect the views or endorsement of their staff or management. The companies do not assume any responsibility for content linked to or from these sites, even if that content is provided within a frame of these sites.

4. Legal notices

Some of the descriptions of insurance products on this website are only general summaries. For complete information about benefits, exclusions, limitations, and renewability terms, please read the product brochure. To receive specific product brochures, call 1.877.760.2247.

We are not responsible for the content of any other websites that might be linked to this one with or without our knowledge or consent. Likewise, we are not responsible for any of the conduct or activities of the domain name owners or the operators of any other websites that might be linked to this one with or without our knowledge or consent.

No warranties, expressed or implied, are made concerning the functionality of this or any linked website, and we are not responsible for any consequences, including, but not limited to, data corruption or any other direct or indirect damage, as a result of downloading anything from this or any linked website. Accuracy of lists and/or networks

Copyright: All materials, graphics, and photographic images created by or for the companies noted below and contained on these web sites are protected by United States copyright law. These sites may also contain material in which the copyright is held by the creator. All materials, graphics, and photographic images contained on these web sites may not be copied, reproduced, distributed, transmitted, displayed, published, or broadcast. This list is not meant to be exhaustive.

5. Producer compensation

We distribute most of our insurance products through independent business people. We refer to them as “brokers”. In some states they are called “producers” or “agents”.

Brokers do not work for any particular insurance company. Brokers work for their clients. Typically, brokers have contracts with several different insurers. These contracts allow the brokers to submit their clients’ insurance applications to the insurer that has the most appropriate product for each client.

In keeping with the standard and historical practice of our industry, we pay commissions to brokers. These commissions are paid when insurance coverage is issued in response to applications the broker’s submit on behalf of their clients. Commissions are calculated as a percentage of the premium paid. Commissions paid during the first year coverage is in force are higher, and later year commissions are lower. On average, a broker will earn between 7% and 15% over the life of a typical insurance plan. If you keep your coverage longer than the typical insured, your broker’s commission will be a smaller percentage of premiums.

Now and then, we will offer financial incentives to brokers, paying them extra if they submit more applications. We also have some brokers (called “key brokers”) who regularly receive volume-based financial incentives.

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