MISSOURI - WORKSITE INNOVATIONS INSURANCE GROUP
Benefit Strategies Built Around Your Business and Your People.
I'm Steven Swyers and I help Missouri business owners build benefits strategies that protect paychecks, improve access to care, and give you real control over long-term costs.
3-250
EMPLOYEE RANGE I SPECIALIZE IN
MO
LICENSED IN MISSOURI
WSI
REPRESENTING WORKSITE INNOVATIONS INSURANCE GROUP
LONG
TERM COST STRUCTURE, NOT JUST AT RENEWAL
WHO I AM
An Advisor, Not A Vendor
I'm an independent benefits advisor based in Jefferson City, and I grew up in this work. I sit down with owners, HR teams, and individual employees across Central Missouri.
My job is simple to describe and harder to do well. Understand your situation, tell you the truth about what you already have, and build something that protects your people without wasting your money. I represent Worksite Innovations Insurance Group, and I stay involved all year, not just when renewal shows up.
I'm also a husband and a father of four children, so I think about this the way you do. What actually happens to a family when something goes wrong, and whether the coverage holds when it matters.
WHAT I DO
What We Can Work On Together
I build benefits as a coordinated system, not a stack of products sold one at a time. Here is how the pieces fit together.
CORE
Major Medical Health Insurance
Most companies treat major medical as a fixed cost they renew and hope for the best on. I treat it as something you can actually see into and influence. We look at how your plan is really priced, how this year's claims shape next year's number, and which funding approach fits you, whether that is fully insured, level funded, or self funded.
The goal is a medical plan you understand and have some control over, instead of a bill that shows up every year with no explanation behind it.
ACCESS TO CARE
Direct Primary Care
A plan only matters if your team can actually use it. That is why I build around direct primary care, where employees get a real relationship with a physician, same or next day visits, and most of their everyday care for one flat monthly cost.
Paired with the right medical plan, it lowers what people pay out of pocket and keeps them from putting off care because of the price. Set up to be HSA-compatible, it works alongside a high-deductible plan without giving up the tax advantage. It is the difference between coverage that looks good on paper and care your team will actually use.
INCOME PROTECTION
Disability, Accident, Hospital + Critical Illness
Health coverage handles the medical bill. Income protection handles everything else, the paycheck, the mortgage, the part of life that does not pause when someone gets hurt or sick. These are cash paying plans that go straight to your employee when they need them, and they pair with any health plan.
OPERATIONS + PLATFORMS
Platforms & Administration
Practical, competitive options that employees actually use and that fit within a thoughtfully structured total benefits package.
Good benefits fall apart when they are a mess to run. I bring the technology and the process that make a plan easy to manage: enrollment that connects to your payroll, a modern system for administering it all, help staying compliant, and clear education so your team understands what they have.
Less time answering benefits questions, fewer enrollment headaches, and coverage that actually gets used.
STATE OF MISSOURI EMPLOYEES
State Employee? You have a lane here too.
Alongside my work with companies, I handle voluntary benefits for State of Missouri employees. These are payroll deducted coverages you can add on your own to protect your income and your family, at group rates, with someone local to walk you through them.
If you are trying to figure out what to enroll in, or whether what you already have still fits, book a time and I will make it simple.
Voluntary Benefits Available For State Employees Through Payroll Deduction.
Short-Term Disability
Hospital Indemnity
Accident Expense
Dental
Whole Life Insurance
For complete plan details, click the button below.
PROCESS
How We Work Together
No long discovery processes. No vague timelines. Here is exactly what working together looks like.
Initial Call
A 30-minute conversation to understand your situation, what you currently have, and what you are trying to solve. No pressure, no presentation. Just a direct conversation to see if there is a fit.
Plan Review
I look at your current plan documents, contribution structure, and renewal history. If there are problems, I will tell you clearly what they are and how significant they are.
Strategy Presentation
I come back with specific recommendations, not a stack of carrier quotes. You will understand the reasoning behind every option I put in front of you.
Implementation
If you decide to move forward, I handle the transition. Carrier paperwork, enrollment setup, and employee communication are all part of what I do, not things I leave to you to figure out.
Ongoing Partnership
I stay engaged throughout the year. When renewal season arrives, you have someone who already knows your plan and your priorities. Not someone starting from scratch.
Get Started
Let's Start a Real Conversation
No pressure and no presentation. Pick a time that works and we will talk through your situation, whether you are running a business or covering your own family. If it is a fit, great. If not, you will still leave with straight answers.
Looking for a First-Class Group Benefits Consultant?
Steven Swyers
EMPLOYEE BENEFITS CONSULTANT
REPRESENTING WORKSITE INNOVATIONS INSURANCE GROUP
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