Group Health Insurance

Building a successful business is enough hard work, without the added headache of finding affordable, quality health insurance.

Whether you're just starting out or own a small business with multiple employees, you're going to need help finding and securing health coverage.

Who needs a Group Health Plan?

Going into business for yourself can be a bit of a gamble. But not insuring yourself, family, and employees only raises the stakes.

Health insurance helps protect your finances in the following ways:

  • Discounted rates for medical care. Insurance companies negotiate rates with health care providers. Without that feature, even the cost of a regular checkup or office visit can be twice as high
  • Spares unexpected medical costs. Bankruptcy, due to hospitalization over an unforeseen injury, happens more often than you’d think
  • Protects your ability to work. If you don’t have your health, it isn’t possible to work
  • Improves access to quality care. With a group health insurance plan, you gain access to a broader network of health care providers than you would have, otherwise
  • Encourages a healthier lifestyle with regular checkups and preventive care that won’t cost you too much and are likely included in your policy.
  • Hire and retain great workers. Employer-sponsored group health insurance coverage is a valuable inducement to top talent, as well as an important consideration in complete compensation packages

What kind of health plans are available to business owners?

Preferred Provider Organization (PPO) plans are the most popular. It’s your responsibility to make sure that the health care providers you visit participate in the PPO. A PPO plan may be right for you, if:

  • Your doctor already participates in the PPO
  • You want to direct your own health care and can work with the predetermined preferred provider list

Health Maintenance Organization (HMO) plans offer health care services through a network of providers who contract exclusively with the HMO or who agree to provide services to members. An HMO plan may be right for you if:

  • You’re willing to coordinate your care through a primary care physician and follow the rest of the HMO guidelines
  • You enjoy preventive care, such as coverage for checkups, immunizations, and similar services

Health Savings Accounts (HSA) eligible plans are usually PPO plans with higher deductibles, designed for use with HSAs. Similar to a flexible spending account (FSA) or 401(k), an HSA is a special bank account, which allows participants to save pre-tax money, specifically for future medical expenses. An HSA-eligible plan may be right for you if:

  • You want to pay for health care expenses with pre-tax dollars
  • You’re relatively healthy and don’t need lots of care or doctor visits
  • You prefer a cheaper monthly premium, even if it means having a higher deductible
  • You want to “roll over” your contributions each year

Worried about the cost?

We specialize in covering local businesses owners like you. We have everything you need, including:

  • Access to Association Healthcare Programs, which can offer significant savings
  • Creative contribution scenarios
  • Claims assistance and advocacy
  • Tailored coverage for the needs of you and your employees
  • Knowledgeable agents who provide exceptional, passionate service

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

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