Group Health Insurance

Our agency has an affiliation with a large brokerage that has access to over 100 Life and Health insurance companies. There are many different types of Life and Health Insurance policies. We can find the right one for you.

Term insurance covers you for a “short” period of time such as 5, 10, 15, 20, or 30 years. Whole life is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. Premiums are fixed, based on the age when issued and usually do not increase with age. Normally you pay premiums until death, except for limited pay policies, which may be paid-up in 10 years, 20 years, or at age 65. This is also sometimes called "straight life," or "ordinary life." Whole life insurance belongs to the cash value category of life insurance, which also includes universal life, variable life, and endowment policies. Let us design a policy that suits your individual needs.

Unlike traditional health insurance, Long Term Care (LTC) is designed to cover long-term services in a variety of settings such as your home, a community organization, or another facility. Long Term Care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need and where you need them. Let us design a policy that suits your individual needs.

Disability Insurance often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness, or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits. Statistics show that in the U.S. a disabling accident occurs on average once every second. In fact, nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement. We sell either individual or group disability products.

We work with several brokers that have access to most of the large carriers that write group health insurance. Some of them include Blue Cross/Blue Shield, Harvard Pilgrim, Tufts, United Healthcare & many more.  The people we work with are some of the best in the industry. Send your company's census to us so we can get you a competitive quote.

Building a successful business is enough hard work without the added headache of finding affordable, quality health insurance.

Whether you are just starting out or own a small business with multiple employees, you are going to need help finding and securing health coverage.

Going into business for yourself can be a bit of a gamble. But not insuring yourself, family, or employees only raises the stakes. The two groups who should be most interested in a group health plan are:

• Self-employed persons who often think health insurance is an unaffordable luxury.
• Small business owners who know employer-sponsored health insurance is one benefit workers truly value.

Health insurance helps protect your finances in the following ways:

• Discounted rates for medical care. Insurance companies negotiate rates with health care providers. Without that feature, even the cost of a regular checkup or office visit can be twice as high.
• Spares you unexpected medical costs. Bankruptcy, due to hospitalization over an unforeseen injury, happens more often than you think.
• Protects your ability to work. If you do not have your health, it is not possible to work.
• Improves access to quality care. With a group health insurance plan, you gain access to a broader network of health care providers.
• Encourages a healthier lifestyle. Regular checkups and preventive care will not cost you too much and are likely included in your policy.
• Shields your business from personal medical costs. Unexpected personal medical expenses can impact your personal liability for medical costs. Health insurance can help you keep your business protected.
• Hire and retain great workers. Employer-sponsored group health insurance coverage is a valuable inducement to top talent, as well as an important consideration in complete compensation packages.

There are two primary categories of health insurance for small business owners and self-employed persons to choose from:

• Individual and Family Plans purchased by individuals to cover themselves or their families.
• Small Business/Group Plans that are employer-sponsored health coverage.

After that, there are more plan options to choose from:

Preferred Provider Organization (PPO) plans are the most popular for individuals and families. It is your responsibility to make sure that the health care providers you visit participate in the PPO. A PPO plan may be right for you, if:

• Your doctor already participates in the PPO.
• You want to direct your own health care and can work with the predetermined preferred provider list.

Health Maintenance Organization (HMO) plans offer health care services through a network of providers who contract exclusively with the HMO or who agree to provide services to members. An HMO plan may be right for you if:

• You are willing to coordinate your care through a primary care physician and follow the rest of the HMO guidelines.
• You enjoy preventive care, such as coverage for checkups, immunizations, and similar services.

Health Savings Accounts (HSA) eligible plans are usually PPO plans with higher deductibles, designed for use with HSAs. Similar to a flexible spending account (FSA) or 401(k), an HSA is a special bank account, which allows participants to save pre-tax money, specifically for future medical expenses. An HSA-eligible plan may be right for you if:

• You want to pay for health care expenses with pre-tax dollars.
• You are relatively healthy and do not need lots of care or doctor visits.
• You prefer a less costly monthly premium, even if it means having a higher deductible.
• You want to “roll over” your contributions each year.

Indemnity plans allow members to direct their own health, visiting any doctor or hospital they like most. Because of this freedom, Indemnity plans are sometimes more expensive than other types of plans. An Indemnity plan may be right for you, if:

• You want the greatest level of freedom possible in choosing which doctors or hospitals to visit.
• You do not mind coordinating the billing and reimbursement of your claims yourself.

We specialize in covering local businesses owners like you. We have options available, including:

• Monthly payment options to help spread out your payments so you can better manage your cash flow.
• Coverage of temporary staff, full-time employees, and independent contractors.
• Claims responsiveness when time is of the essence, especially in the event of an insurance claim.
• Tailored coverage for the specific risks of your field and industry.
• Knowledgeable agents who provide exceptional, passionate service.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there is no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.