Group Health Insurance
& ACA

Enhance health protection for your organization with out tailored group health insurance plans to support your team’s well-being and financial security.

  • Better Coverage
  • Tax Advantages
  • Improve Recruitment
  • Increase Retention

3 Steps To Getting Insurance Coverage

A simplified way to get your business covered

1

Answer A Few Questions

2

Choose Coverage Plan

3

Get Covered

Group Health Insurance Plans

Offer group health insurance to prioritize employee well-being, enhance job satisfaction and retention, attract top talent, and demonstrate a commitment to providing affordable and comprehensive healthcare coverage.

Additionally, group health insurance can lead to cost savings, tax advantages, and regulatory compliance, contributing to the overall success and stability of the organization.

Medical Coverage

Medical benefits that includes services such as doctor visits, hospitalization, prescription drugs, and preventive care. Focus on your health.

Dental Coverage

Benefits for dental services such as routine check-ups, cleanings, fillings, and other dental treatments. Manage the costs of maintaining good oral health.

Vision Coverage

Cover eye care services, including routine eye exams, prescription eyewear like glasses or contact lenses, and sometimes even discounts on corrective surgeries like LASIK.

Affordable Care Act (ACA) Reporting

Stay compliant with our ACA and Employer Shared Responsibilities (ESR) services.

Our comprehensive solutions ensure regulatory compliance, streamline reporting processes, and maximize cost savings. With expert guidance and personalized support, we empower you to navigate complex healthcare regulations effortlessly, allowing you to focus on your core business objectives. Partner with us to achieve greater efficiency, reduce risks, and optimize your benefits strategy for long-term success.

Employee Self-Service

Open enrollment with ease.

Our comprehensive solutions ensure regulatory compliance, streamline reporting processes, and maximize cost savings. With expert guidance and personalized support, we empower you to navigate complex healthcare regulations effortlessly, allowing you to focus on your core business objectives. Partner with us to achieve greater efficiency, reduce risks, and optimize your benefits strategy for long-term success.

Group Health Insurance FAQ’s

Group health insurance differs from individual health insurance in several ways. Group plans cover a pool of individuals, often employees of a company or members of an organization, with premiums typically shared between the employer and employees, making it more cost-effective.

These plans often offer more comprehensive coverage and may not require medical underwriting, making them accessible to individuals with pre-existing conditions. However, group health insurance is tied to employment and may not be portable if individuals change jobs. 

Eligibility for coverage under a group health insurance plan is typically determined by the employer or organization offering the plan. Generally, full-time employees meeting defined criteria such as hours worked or job category are eligible, along with their dependents, including spouses, children, and sometimes domestic partners. Some employers extend coverage to retirees as part of retirement benefits, and individuals who qualify under COBRA may continue coverage after certain qualifying events. Specific eligibility criteria can vary, so individuals should refer to their plan documents or HR department for details.

This mostly depends on the type of plans the employer decides to offer. It can be medical, dental, vision, a combination of two or all types.

These plans aim to provide holistic healthcare coverage for employees and their dependents, ensuring access to essential medical services and treatments. However, the specific coverage details, including copayments, deductibles, and network restrictions, may vary depending on the plan, so it's important to review the plan documents for complete information.

Group health insurance is not universally mandatory for all employers; however, certain factors can make it compulsory for some. Under the Affordable Care Act (ACA), large employers with 50 or more full-time equivalent employees are generally required to offer affordable health insurance coverage to their full-time employees or potentially face penalties under the Employer Shared Responsibility provision. Additionally, state mandates, collective bargaining agreements with unions, and considerations such as tax credits and market competitiveness can influence whether employers choose to offer group health insurance as a benefit to attract and retain employees. Employers should seek guidance from legal and HR professionals to understand their specific obligations and options regarding health insurance coverage for their workforce.

Employers should consider several crucial factors when choosing a group health insurance provider. These factors include evaluating coverage options to ensure alignment with employees' healthcare needs. They should also compare costs such as premiums, deductibles, and copayments for affordability.

Additionally, reviewing the provider's network of healthcare professionals is important for accessibility and quality care. Assessing plan flexibility for customization is another key consideration. Prioritizing excellent customer service and support is essential for smooth plan administration. It's also important to research the provider's financial stability and reputation. Ensuring compliance with regulatory requirements is crucial to avoid potential penalties. Exploring additional benefits and wellness programs can add value to the overall healthcare package.

Lastly, consulting with our benefits advisors can provide valuable insights and assistance throughout the selection process.

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