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Group Benefits

Employers often offer the following health insurance benefits to their employees:

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 costs. We can help you find the right balance for you and your employees.

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Important Enrollment Information for Group Administrators

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 50 employees don't have to offer coverage, but most small- to medium-sized employers try to provide medical insurance at least. Group insurance solutions offer greater variety than individual coverage, with more extensive provider networks.

Ancillary Products help round out your employees' healthcare 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.

Supplemental Insurance includes Accident, Cancer, Hospital Indemnity, and Critical Illness plans.

Minimal Essential Coverage (MEC) Plans are an affordable option for employers with a large number of low-wage employees (such as restaurants, leisure and hospitality companies, labor companies, daycare centers, franchise owners, veterinary practices, etc.). MEC plans offer some of the same benefits as a major medical plan, either with minimal or no hospitalization coverage, and the price is a fraction of the cost of a major medical policy.

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 Fitbit, cash rewards, and other incentives. Wellness programs save money not only by lowering premiums, but also by reducing medical claims.

Wellness Programs are often focused on smoking cessation, diabetes management, weight loss, and preventive activities.

The Cafeteria Plan is a reimbursement plan governed by IRS Section 125. It 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).