Group Health Insurance

Group insurance provides coverage for a group of individuals, typically members of an organization, or employees of a company. Instead of each person obtaining insurance individually, the group as a whole is covered under a single master policy.

Benefits of Group Health Insurance

  • Cost Savings: Group insurance often offers lower premiums due to the risk being spread across a larger pool of participants, benefiting both employers and employees financially.

  • Broad Coverage: Group insurance plans typically include comprehensive coverage for health, life, dental, and disability insurance, addressing various needs within a single policy. 

  • No Medical Underwriting: Many group insurance plans do not require individual members to undergo extensive medical underwriting, making it accessible to a diverse range of individuals, including those with pre-existing conditions.

Why Life Insurance is Crucial for Your Financial Security

Benefits of Group Insurance

  • Guaranteed Issue: Group insurance plans typically offer guaranteed issue, meaning eligible members can enroll without the need for medical exams or health assessments.
  • Tax Advantages: Contributions made by employers to group insurance plans are often tax-deductible, providing financial benefits for both employers and employees.

  • Enhances Employee Recruitment and Retention: Offering comprehensive group insurance benefits can be a powerful tool for attracting and retaining talented employees, contributing to overall job satisfaction and loyalty.

How to Choose a Group Insurance Policy

Follow the steps below to find the group insurance policy that best meets your needs.

1
ASSESS NEEDS

EVALUATE
GROUPS
NEEDS

Evaluate the group’s needs by considering factors such as health, life, disability, dental coverage, and more.
2
29

LOOK INTO
REPUTABLE
PROVIDERS

Research reputable insurance providers offering group insurance, considering their experience, customer reviews, and the range of coverage options available.
3
33

LEARN ABOUT
COVERAGE
DETAILS

Familiarize yourself with the coverage details offered by potential group insurance plans, ensuring they align with the identified needs of the group members.
4
30

COMPARE
QUOTES

Compare quotes from multiple insurance providers, comparing premiums, deductibles, and any additional costs associated with each plan to find the most cost-effective option.
5
6

ASSESS
NETWORK
OF HEALTHCARE
PROVIDERS

Assess the network of healthcare providers, hospitals, and specialists associated with each group insurance plan to ensure convenient and accessible healthcare options for group members.
6
24

REVIEW
FLEXIBILITY

Review the flexibility of each group insurance plan, especially if the group has diverse needs. Look for plans that allow customization to accommodate varying preferences and requirements.
7
25

UNDERSTAND
EMPLOYEE
CONTRIBUTIONS

Understand how employee contributions will be structured, and consider options to improve the benefits.
8
5

LICENSED
INSURANCE
BROKER

Consult with insurance brokers or professionals specializing in group insurance to navigate the complexities of different plans, ensuring that the chosen coverage meets the unique needs of the group.

No Matter What Your Goals Are, We Have Insurance Policies to Support You

We work closely with you to choose from a range of insurance products (all with tax advantages) and customize them to protect what you value most.

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Frequently Asked Questions

Many group insurance plans offer guaranteed issue, allowing individuals to enroll without undergoing extensive medical underwriting, making it accessible for individuals with pre-existing conditions

The cost-sharing structure varies, but it commonly involves both employer and employee contributions. Employers often subsidize a portion of the premiums, with employees contributing the remaining amount.

Group insurance plans can include various types of coverage, such as health, dental, life, disability, and sometimes vision insurance, depending on the plan and the sponsor's preferences.

What Are You Looking For?