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Helping You Keep Your Employees Healthy, Safe and Happy!

BMS LLC Section 125 Premium Only Plan (POP)

A Section 125 Premium Only Plan (POP), also known as a Cafeteria Plan, allows employees to pre-tax their qualified insurance benefit premiums. All qualified benefits are deducted from payroll prior to federal, state, and FICA taxes. The sponsoring employer also saves a 7.65% FICA match on each premium dollar their employees pre-tax.

Eligible benefits for Section 125 deductions include:

  • Group Health Insurance
  • Dental & Vision Insurance
  • Short Term & Long Term Disability
  • Group Term Life (Employee Only up to $50,000)


(Please contact BMS LLC for questions on these and other eligible plans)


Delta Dental 1si Advantage Plan

For groups with 2–49 employees, this plan puts you on the right path!

This plan can be offered on a contributory or voluntary basis plus it includes:

Comprehensive benefits

  • 100 percent coverage for preventive and diagnostic care with no waiting periods.
  • Coverage for both basic and major services.
  • Optional child orthodontic coverage available.
  • Generous annual maximums up to $2,000 and choice of low deductibles.*
  • Certified Pediatric Dental Essential Health Benefit coverage can be paired with a One Southern Indiana Advantage Plan to help members satisfy health care reform requirements.

See any dentist or specialist

  • Delta Dental PPOTM (Point-of-Service) provides members with access to TWO of the nation’s largest networks of participating dentists—our Delta Dental PPO and Delta Dental Premier® network.
  • Delta Dental is the only dental program to provide coverage under two fully owned, full-time networks,dramatically reducing the likelihood that members will access nonparticipating providers.
  • Members can save the most money and receive the highest level of coverage when visiting a Delta Dental PPO dentist.

OneAmerica Life and Short- and Long-term Disability

OneAmerica offers solutions for 1si members who can enhance the benefits package of a small business, often times without increasing the budget. Offering streamlined implementation with simplified enrollment options, these products prove to be a valuable tool for small businesses. Voluntary solutions give employees an opportunity to purchase affordable coverage for themselves and their dependents to help deliver suitable protection from life’s unexpected events.

Products available

  • Employer Paid Life and AD&D
  • Voluntary Life and AD&D
  • Voluntary Short-term Disability
  • Voluntary Long-term Disability
  • Lump Sum Disability