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.
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
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
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.