Group and Wellness Insurance Solutions

A healthy workforce is a productive workforce! Our group insurance plans provide comprehensive coverage options designed to meet the needs of businesses and their employees. Coupled with our wellness programs, we empower organizations to promote health and well-being while managing cost

Comprehensive Group Insurance Plans

Group Plans for 2-24 Employees

For small businesses, we offer tailored group insurance solutions that are both affordable and effective. These plans help you provide essential coverage to your employees, ensuring they have access to necessary healthcare without breaking the bank. Our small group plans are designed to be flexible, allowing you to choose the coverage options that best fit your team’s needs.

Group Plans for 25+ Employees

For larger organizations, our group insurance plans provide robust coverage options that can be customized to support your workforce. These plans often come with enhanced benefits and cost-saving opportunities, making it easier to attract and retain top talent. We collaborate with you to create a comprehensive benefits package that meets the diverse needs of your employees.

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Cost-Effective Coverage

Group plans typically provide lower premiums compared to individual policies, making it easier for employees to access essential healthcare.

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Attract and Retain Talent

Offering competitive group insurance benefits can help you attract and retain top talent in today’s competitive job market.

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Flexible Options

We offer a range of coverage types, including medical, dental, vision, and life insurance, ensuring comprehensive protection for your employees.

Wellness Programs for a Healthier Workplace

Our wellness programs are designed to complement your group insurance offerings, promoting preventive care and overall health. Our Wellness + Voluntary Benefits Package is a self-funded, personalized healthcare + wellness solution that offers preventive and ongoing maintenance services at no additional cost to your employees or your business. By integrating wellness initiatives, you can help reduce healthcare costs while improving employee satisfaction and productivity.

Benefits for Employers

  • Regulatory Compliance: Our plan guarantees full compliance with IRS codes and Obamacare regulations, helping your business avoid potential legal risks and penalties while streamlining the benefits process.

  • Premium Coverage: We partner with AMBEST A-rated insurance providers to deliver top-tier health benefits, ensuring your employees receive high-quality care and services.

  • Cost Savings: Save up to $750 per employee annually in FICA taxes while also reducing voluntary benefit costs when the employer contributes to the coverage, maximizing your overall cost efficiency.

  • Reduced Expenses: Achieve 20-50% savings on workers' compensation expenses by reducing payroll liabilities, all without needing to change your existing coverage or provider.

  • Comprehensive Health Offerings: Our plan provides an extensive range of benefits, including accident coverage, virtual urgent care, dental, vision, and ACA-compliant plans that cover free checkups and medications—offering peace of mind and promoting employee wellness.

  • Employee Retention: Stand out in a competitive job market with a robust benefits package that attracts top talent and strengthens employee loyalty, helping you build a dedicated and motivated workforce.

Benefits for Employers

  • Guaranteed Coverage: Employees receive guaranteed issue accident, disability, critical illness with cancer, and whole life insurance without health questions, ensuring easy access to essential coverage.

  • No Impact on Take-Home Pay: The plan's reimbursement structure ensures there is no reduction in employees' take-home pay while providing extensive coverage.

  • Comprehensive Preventive Care: Includes free access to preventive services, such as annual exams, immunizations, and screenings, along with affordable doctor and urgent care visits.

  • Wide Range of Benefits: Offers access to telemedicine, dental, vision, hospital indemnity, and various other patient benefits, ensuring comprehensive health support.

  • Flexible and Convenient: Integrates effortlessly with any existing payroll system, minimizing administrative burden for employers. Employees enjoy a user-friendly management dashboard that allows them to easily access their benefits in real time.

  • Enhanced Wellness Support: Provides employees with access to wellness programs, such as fitness memberships, mental health resources, and lifestyle coaching, promoting overall well-being and a healthier workplace environment.

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360° Wellness Plan & Wellness App

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Cost Savings to your Business

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Incentivize Your Employees

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Empower a Healthier Workforce

Maximizing Benefits for Employers + Employees

By partnering with the Wellness + Voluntary Benefits Package, employers can enjoy substantial financial advantages through tax reductions and decreased workers' compensation costs. Employees benefit from full access to preventive care, including annual physicals, general physician visits, specialist consultations, and urgent care, all with no out-of-pocket expenses. Additionally, our package covers a wide range of benefits, such as dental, vision, life insurance, accident, and hospital plans.

Providing these valuable benefits at no cost to your employees helps build morale, foster loyalty, and enhance your reputation as a top-tier employer. In today's competitive landscape, offering a robust benefits package is not just a necessity; it's a strategic advantage.

Explore how the Wellness + Voluntary Benefits Package can transform your employee benefits and position your company as a leader in talent retention and attraction. Visit our website to learn more!

Why Choose the Wellness + Voluntary Benefits Package?

Comprehensive coverage for health and lifestyle security.

Cost Efficiency

Employers benefit from significant financial savings, including potential reductions of up to $750 per employee annually in FICA taxes.

Workers' Compensation Savings

Unlock further savings of 20-50% on workers' compensation expenses without altering your existing coverage.

Elite Coverage Partnerships

We partner with AMBEST A-rated insurance providers to offer premium health benefits, ensuring your employees have access to top-tier coverage.

Regulatory Compliance

Our plan is designed to fully comply with IRS codes, including Section 125 cafeteria guidelines, and adheres to all regulatory updates introduced under the Affordable Care Act (ACA). This ensures a compliant and hassle-free experience for employers.

Comprehensive Benefits

Our plan goes beyond traditional health coverage, including accident coverage, virtual urgent care, dental, vision, life insurance, and more, providing a broad suite of options tailored to employee needs.

Unmatched Wellness Support

Our ACA-compliant Minimum Essential Coverage (MEC) plan offers free preventive services, such as checkups and medications, with direct access to healthcare providers—all without deductibles.

How does it work?

✪ Regulatory Compliance: EHP is designed to meet IRS regulations, including IRC sections 213(d), 106(a), 105(b), and ACA requirements. It also aligns with ERISA, HIPAA, and ADA guidelines, ensuring it meets all legal standards for a compliant wellness program.

✪ Integrated Healthcare Approach: The plan combines a self-funded Wellness Integrated Medical Plan Expense Reimbursement (WIMPER), a Health Reimbursement Arrangement (HRA) under IRS Section 105(b), and a Self-Insured Medical Reimbursement Plan (SIMERP), which works with an existing health insurance policy to provide comprehensive coverage.

✪ Pre-Tax Benefits: EHP allows for pre-tax deductions of employee contributions through a Section 125 Cafeteria Plan, reducing taxable income and creating savings for both the employer and the employee.

✪ Reimbursement Flexibility: The plan offers post-tax reimbursements for qualifying medical expenses as defined by IRC Section 213(d), which are excluded from the employee's gross income under Sections 105(b) and 104(a)(3).

✪ Streamlined Implementation: EHP is designed for easy integration with existing payroll systems, minimizing administrative workload and maximizing efficiency for HR departments while providing tax savings that cover plan costs.

Request A No Obligation Offer

With the Wellness + Voluntary Benefits Package, there is no cost to you. We’ll take the time to understand your company’s unique needs and create a customized benefits package tailored for your workforce. Contact us today and let us help you provide the essential benefits your employees deserve!

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