Getting Started
Group Health Insurance – Comprehensive Coverage for Your Employees
We believe that the health and well-being of your employees are essential to the success of your business. That’s why we offer customized Group Health Insurance plans designed to provide comprehensive coverage for your team while keeping costs manageable for your company.
Group Insurance
What is Group Health Insurance?
Group health insurance is a type of health coverage offered to a group of employees, typically through their employer. These plans provide a wide range of benefits, including medical, dental, vision, and sometimes even wellness programs, all under one affordable policy. By pooling together employees, group health plans typically offer more competitive rates than individual health plans.
Why Choose?
Why Choose Group Health Insurance?
Cost-Effective for Employers and Employees
Group health insurance helps reduce healthcare costs by providing lower premiums compared to individual policies. Employers often pay a portion of the premium, making it more affordable for employees to get the coverage they need.Comprehensive Coverage Options
Group health plans can cover a wide array of medical services, including doctor visits, hospitalization, prescription medications, preventive care, mental health services, and more. Some plans also offer dental and vision care, providing complete health coverage for your team.Attract and Retain Top Talent
Offering group health insurance is one of the most effective ways to attract and retain skilled employees. It’s a highly valued benefit that shows your commitment to your team’s health and well-being, which can lead to increased satisfaction and loyalty.Simplified Enrollment Process
With group health insurance, employees typically have an easier time enrolling in coverage than they would with individual policies. The process is streamlined, and employees often have access to assistance to guide them through their choices.Tax Advantages
Group health insurance can offer tax benefits for both employers and employees. Employers can often deduct premiums paid for employee coverage, and employees typically pay their premiums with pre-tax dollars, reducing their taxable income.
How It Works
How Group Health Insurance Works
Employer Provides Options
As the employer, you’ll choose from a range of group health insurance plans that best fit your business needs and budget. We help guide you through the process of selecting the right plan based on the size of your workforce and the specific coverage needs.Employees Select Coverage
Employees can review the available plans and select the one that best fits their individual needs. Coverage can include basic medical care or more comprehensive plans that include dental and vision.Affordable Premiums
Typically, the employer will cover a portion of the monthly premium, with employees paying the remaining balance through payroll deductions. Employers can choose the level of contribution they wish to provide, and in many cases, the amount is tax-deductible.
Coverage
What Does Group Health Insurance Cover?
- Medical Care – Doctor visits, hospital stays, specialist treatments, preventive services like immunizations, and much more.
- Prescription Drugs – Access to a range of prescribed medications.
- Mental Health Services – Therapy, counseling, and other mental health support services.
- Dental and Vision – Coverage for regular dental and eye care visits, treatments, and even procedures.
- Wellness Programs – Health screenings, fitness programs, and other resources that promote employee well-being.
Right For You?
Is Group Health Insurance Right for Your Business?
Whether you run a small startup or a large enterprise, offering group health insurance is one of the best ways to provide your employees with essential healthcare benefits while demonstrating that you value their health and happiness. It’s an investment in the well-being of your team that can pay off by boosting morale, reducing absenteeism, and enhancing overall productivity.
Medicare FAQ's
Got questions? We've got answers
You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window. 3 months before turning 65, the month you turn 65 and 3 months after turning 65.
The easiest way to sign up for Medicare is online through SSA.gov or by Calling Social Security at 1-800-772-1213. You can also visit your local Social Security Office.
If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.
If you miss your Initial Enrollment Period you can sign up during the General Enrollment period that occurs every year January 1st through March 31st. Coverage becomes effective the month following your enrollment date.
Yes, there are penalties for not signing up for Part B of Medicare and will be added to your premium.
If you need a new Medicare card you can order a replacement card by phone at 1-800-772-1213, or online at the Social Security Administration web site. Make sure you have your Medicare number ready when you call.