Getting Started
Health Coverage That Supports Your Business and Your Employees
Group Insurance
Offering quality health insurance is more than an employee benefit—it can be an important part of attracting and retaining a strong team. Group and employer health insurance provides businesses with a way to offer employees access to healthcare coverage while creating a benefits package designed around the needs of the organization.
Whether you’re exploring health benefits for the first time, reviewing your current plan, or looking for more cost-effective options, we can help you understand the choices available to your business.
What is Group
Group health insurance is coverage offered by an employer or organization to eligible employees and, in many cases, their dependents. Instead of employees purchasing individual policies on their own, the employer selects one or more health plan options to make available to the group.
Depending on the plan, coverage may include doctor visits, hospital care, preventive services, prescription medications, emergency care, and other essential healthcare services.
Benefits
A competitive employee benefits package can provide value to both your company and your workforce. Offering group health coverage may help your business:
Eligibility, contribution requirements, and tax treatment can vary. Your insurance professional and tax advisor can help you understand the rules that apply to your business.
Coverage
Every business is different. The right health plan depends on factors such as the number of employees, budget, employee needs, provider networks, and the level of coverage you want to provide.
We can help you compare available options, including different plan structures, deductibles, premiums, provider networks, prescription drug benefits, and employer contribution strategies.
The goal is to find a balance between valuable employee benefits and manageable costs for your business.
Coverage
A comprehensive employee benefits package can extend beyond traditional medical insurance. Depending on your business and available options, your benefits package may also include:
Dental Insurance
Help employees manage routine dental care as well as more extensive dental services.
Vision Insurance
Coverage may help with routine eye exams, prescription glasses, contact lenses, and other eligible vision expenses.
Group Life Insurance
Provide employees with additional financial protection for their families.
Disability Insurance
Help provide income protection when an eligible illness or injury prevents an employee from working.
Supplemental Benefits
Additional options such as accident, critical illness, and other supplemental coverage can help employees prepare for unexpected expenses.
Small Business
Small businesses have several options when considering employee health benefits. Depending on your company’s size and circumstances, you may be able to offer a traditional small-group health plan or explore alternative employer-sponsored health benefit strategies.
We can help you understand your available options, employer contribution requirements, employee eligibility, and plan costs so you can make an informed decision for your company.
Review
Already offering health insurance? Your current plan doesn’t have to remain the same year after year.
Reviewing your benefits can help identify changes in premiums, provider networks, prescription coverage, deductibles, employee participation, and available plan options. An annual benefits review can help ensure your coverage continues to meet the needs of both your company and your employees.
Benefits
Choosing employee health benefits doesn’t have to be complicated. We’ll help you evaluate your options, compare available plans, and understand the costs and benefits associated with each choice.
Whether you’re a small business offering coverage for the first time or an established employer looking to improve your current benefits package, we’re here to help.
Contact us today to schedule a Group & Employer Health Insurance consultation.
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