WHAT YOU SHOULD KNOW

Offering group insurance benefits employers by attracting/retaining talent, boosting morale, improving productivity, and providing tax advantages, while employees gain lower-cost, comprehensive coverage (health, dental, vision, life) with pre-existing condition protection and financial security, all under one policy.

It spreads risk, reduces administrative burden, and fosters loyalty, making it a win-win for workplace wellness and business success.

Ideal for any size of business owners who want to support their team. Often includes medical, dental, vision, and mental health. It helps attract and retain talent.

WHAT CAN GROUP HEALTH INSURANCE DO?

Benefits for Employees:

Lower Costs: Risk pooling leads to lower premiums, often with employer subsidies, making care affordable.
Comprehensive Coverage: Includes medical, dental, vision, life, disability, and wellness programs, often better than individual plans.
Pre-existing Conditions: Generally covered without exclusions or higher rates.
Financial Security: Protects against high medical costs and debt.
Convenience: Easy payroll deductions and streamlined administration.

Benefits for Employers:

Recruitment & Retention: A key tool to attract top talent and reduce turnover.
Productivity & Morale: Healthier, less stressed employees are more engaged, present, and productive.
Tax Advantages: Premiums are often tax-deductible for the business, and employee contributions can be pre-tax.
Cost Savings: Lower rates due to group purchasing power.
Simplified Administration: One policy covers many, streamlining benefits management.

Key Features:

Risk Pooling: Spreads costs across a large group.
No Medical Underwriting: Ensures everyone gets coverage.
Employer Contribution: Employers often pay a significant portion of premiums.