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Employer group insurance
Employers often offer the following health insurance benefits to their employees:
Ancillary Coverage: Dental, Vision, Life, Disability
Supplemental Coverage: Critical Illness, Cancer policies, etc.
We work with all the major carriers to obtain the most comprehensive coverage and the most competitive pricing for our clients.
Group coverage should be a balance between benefits and cost. We can help you find the right balance for you and your employees.
Medical coverage is quickly (and it seems constantly) changing. Let us keep you up-to-date on regulations and the programs and plans that are available.
The Affordable Care Act currently mandates that employers with over 100 employees must provide health insurance to their employees. Employers with less than 100 employees don't have to offer coverage, but most small- to medium-sized employers try to at least offer medical insurance. Group insurance offers greater variety than individual coverage with larger provider networks.
Learn More about your options and get a quote today.
Ancillary products help round out your employees' heathcare coverage needs. Ancillary products include dental, vision, life and disability lines of coverage.
These are low cost products and generally offer coverage that is more comprehensive with lower premiums than individual policies. Group ancillary products may be purchased as voluntary or employer-sponsored benefits.
Learn more about your options and receive a quote today.
Telemedicine provides access to board certified U.S. physicians 24/7/365 by phone or video chat. Telemedicine replaces doctor office visits and saves time and money. The Telemedicine physician will provide treatment and prescriptions if needed. Telemedicine is not insurance -- it is an added benefit if you have health insurance or can be used stand-alone for employees and individuals who don't have medical insurance. Telemedicine is very affordable allowing employers to offer a great benefit at very little cost.
Learn more about Telemedicine.
A Cafeteria Plan is a reimbursement plan governed by IRS Section 125 which allows employees to contribute a certain amount of their gross income to a designated account or accounts before taxes are calculated. These accounts can be used for insurance premiums and medical or dependent care expenses not covered by insurance.
These plans include Flexible Spending Accounts (FSA) and Premium Only Plans (POP). Click on the icon above to learn more about these plans.
Wellness Programs can be built into your medical insurance plan and are frequently offered by the insurance carrier, or can be offered by the Employer.
These programs encourage healthy lifestyles by rewarding employees for wellness activities such as working out, vision exams, dental exams, biometric screenings, etc. Rewards include a reduction in insurance premiums, discounts on gym memberships, fitness equipment such as a Fitbit, cash rewards, and other incentives. Wellness programs save money not only by lowering premiums but can also reduce medical claims.
Humana's GO365 wellness program offers premium discounts of 7% to 15% for both the Employer and the Employee, and employees earn points that can be used to purchase items from the GO365 mall. Blue Cross also has a wellness program witih rewards.
Wellness programs are often focused on smoking cessation, diabetes management, weight loss, and preventive activities.
Supplemental insurance includes Accident, Cancer, Hospital Indemnity,, and Critical Illness plans.
Click on the icon above to learn more about these products and get a quote.