Group Coverage for Your Team
Health plans and supplemental benefits for employers, explained in plain language. On a free 15-minute call, we’ll help you compare options side by side.
What group coverage is
Group coverage is health insurance your business offers to its employees. Employees usually share the cost of the premium with you, and the plan is offered to the group instead of being bought one person at a time. We work with several carriers and networks, so we can compare plans for your business instead of giving you just one option.
The plan types we can offer
PPO plans
A preferred provider organization lets people see doctors in or out of the network, usually at a lower cost in network. No referral is typically needed to see a specialist. A good fit when your team wants flexibility and choice of doctors.
EPO plans
An exclusive provider organization covers care inside the network, except in emergencies. Premiums are often lower than a PPO, so it can work well when your team is comfortable with a smaller network.
HSA-eligible plans
A health savings account (HSA) works with a qualified high-deductible health plan. The plan usually has lower premiums and a higher deductible, and the account lets employees (and you, if you choose) set aside pre-tax money for medical costs. The money belongs to the employee and can roll over year to year. Ask your CPA how the tax rules apply to your situation.
Plans, networks, prices and availability vary by carrier, county and state. Which plans you can offer depends on your group size and where your employees live.
Add benefits that fill the gaps
- Dental and vision plans
- Hospital indemnity that pays cash toward a hospital stay
- Accident, critical illness and life insurance options
How we’ll work together
- A 15-minute call to learn about your team, your budget and the plan you have now
- A side-by-side comparison of options, with the costs in writing
- Help with enrollment, and support for you and your employees after you enroll
- We’ll walk you through every step of the way