Group Insurance (2 employees – 50)

Now is an opportune moment to establish a group health plan, and the process may be more straightforward than anticipated. Consider this: for January 1 effective dates, small employers are exempt from participation guidelines. This presents a unique opportunity, and we are here to assist you in making the most of it. Explore the details of the Special Enrollment Period for Small Employers to ensure a seamless and timely implementation of your health plan.

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From November 1 to December 15, a Special Enrollment Period is available for small employers (1–50), granting them an exemption from participation and contribution requirements. This less-known provision of the Affordable Care Act mandates health insurance companies to provide an annual Special Enrollment Period for January 1 effective dates. FYI – You do need to have at least one 1099 or W2 in addition to yourself.

During this period, employers are not obligated to meet the standard 75% participation requirement or adhere to the 50% premium contribution rule. Whether there is one interested employee out of 20 or a different contribution setup, the flexibility is yours to decide.

The advantages of offering a group health plan include mitigating the impact of rising individual market prices, , providing multiple plan choices, and enhancing attraction and retention of talent.

Moreover, the employer's 100% tax-deductible contribution is a business expense, and employees can pay their portion with pre-tax dollars, leading to tax savings for both parties. To seize this opportunity and establish yourself as an Employer of Choice, act promptly.

Group Insurance (51 plus)

We recognize the distinctiveness of each business entity. In our dedicated efforts to craft policies and services that enhance the well-being of your organization, we remain mindful of your unique culture, goals, and budgetary considerations. The significance of our consultative approach lies in its critical role throughout the entire process. Whether exploring fully insured, self-funded, or level funded options, we extend our expertise to large groups of 50 or more.

Group Dental Insurance

Aside from protecting your smile, dental care ensures good oral and overall health. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Understanding and choosing dental coverage will help protect you and your family from the high cost of dental disease and surgery

Dental insurance operates similar to medical insurance, with premium payments and coverage based on plan benefits. Routine exams and cleanings are often fully covered, while other services may have a deductible and copay. After meeting the deductible, you may encounter a copayment or coinsurance. Each plan varies, so careful review of benefit information is essential.

Driving to work, reading a news article and watching television are likely activities you perform every day. Your ability to do all of these, however, depends on your vision and eye health. Routine eye exams will help maintain your vision as well as detect various eye problems and concerns about your overall health. Obtaining vision insurance is a way to make sure you can continue enjoying good health as well as the sights around you.

Vision coverage is similar to regular medical insurance and is one of the voluntary benefit options commonly offered by employers. When you have vision insurance, you pay a premium and the insurance company will cover part or all of the cost for vision care.

While contemplating life insurance may not be an inherently enjoyable task, it stands as a crucial financial consideration rather than a superfluous expense. For individuals with dependents relying on their financial support, life insurance serves as a protective measure. In the unfortunate event of the policyholder's demise, the designated beneficiary would receive a financial benefit, ensuring the sustained financial well-being of those left behind.

When severe illness or injury strikes, the next few weeks and months can seem scary and uncertain, and you may worry about how you will pay your bills and afford your next rent or mortgage payment. Short-term disability insurance can ease your worries and help you with expenses while you’re away from work.

Employers may offer short-term disability insurance as a voluntary benefit to ensure financial stability in case of illness or injury preventing work. Disability is typically defined as the inability or reduced ability to perform job duties, as specified by the policy. Short-term disability insurance aims to safeguard income during brief disability periods, offering weekly or monthly payments based on a fixed amount or percentage of regular income. It serves as income replacement for limited-duration disabilities

Facing a prolonged inability to work due to severe illness or injury can be daunting. Long-term disability insurance provides reassurance by covering expenses beyond the period covered by short-term disability insurance, ensuring financial stability during challenging times

Employers may provide long-term disability insurance as a voluntary benefit to ensure financial security in case of extended illness or injury preventing work. Disability is typically defined as the inability or reduced ability to perform job duties, as specified by the policy. Long-term disability insurance aims to protect income in the event of prolonged disability before retirement.

Heart attack, stroke, cancer and other illnesses can affect not only your health but also your bank account—medical expenses reportedly lead to more than half of all bankruptcies in the United States. When faced with a severe illness and the accompanying medical costs, critical illness insurance can help.

Employers may offer critical illness insurance as a voluntary benefit to complement standard medical coverage. This insurance addresses out-of-pocket expenses like deductibles, copays, and out-of-network charges not covered by health insurance. Critical illness benefits help mitigate lost wages during extended time away from work, covering routine living expenses such as child care, transportation, and housing costs. By safeguarding against financial loss, critical illness insurance prevents the depletion of savings due to medical bills and work-related absences.

Hospital insurance is crafted to offer robust financial protection for covered individuals, providing benefits for hospitalization and, in certain instances, for treatment related to accidents or sickness, even when administered outside the hospital setting. This benefit empowers employees to address out-of-pocket expenses and additional bills that may arise. Lump sum benefits, determined by the coverage amount outlined in the schedule of benefits, are disbursed directly to the employee.

Group Accident Insurance

Accidents happen. Whether you suffer a concussion falling off a ladder, break your leg slipping on ice or dislocate your shoulder moving the couch, injuries can lead to costly medical care, loss of work time and various other related expenses. If you don’t want to be caught financially unprepared to handle an accident, consider accident insurance.

Employers may provide accident insurance as a voluntary benefit to offer financial protection in the event of accidental injuries. While regular medical insurance may leave gaps in coverage, such as deductibles and copays, accident insurance helps fill these financial voids for out-of-pocket medical expenses resulting from injuries. It is important to note that accident insurance does not replace medical insurance but serves as additional coverage and financial assistance.