Group Health Insurance
employer-based coverage for employees and their dependents
Simply put, health insurance is protection against medical costs.
A health insurance policy is a contract between an insurer and a group in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). A group is viable business where an employer-employee relationship exists.
The premium is paid on a monthly basis.
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.
The employer is required to pay a portion of the employee-only premium. The minimum percentage is determined by the insurer and the employer can pay up to 100%. No part of dependent coverage premiums are required to be paid by the employer, therefore the employee typically pays 100% of the dependent premium.
Benefits (such as deductible and co-pays) can be adjusted to meet the premium and coverage needs of the group.
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