Group Health Insurance

TRADITIONAL & SELF FUNDED MEDICAL

Our main focus is on healthcare benefits for small and medium sized businesses between 2 and 50 employees. Our expertise in this area sets us apart from others in the industry. This dedication to customization of plans and superior customer service is what makes Health Insurance Strategies truly unique.

We also have the expertise to work with large groups above 50 employees, many of whom self-fund their health plans. This is one reason we are strong proponents of using an HRA which allows the group to participate in self-funding. Using an HRA allows greater flexibility in plan design and gives the employer more control over benefit plans and costs associated with it. An HRA also provides the opportunity for the employer to retain more cash than a fully insured plan, thereby improving cash flow. The employer can directly benefit from favorable claims experience, managed care discounts and claims control programs.

OPTIONAL DENTAL & VISION PLANS

Employers can implement an employee dental program based on their company’s needs, whether those needs revolve around choice of plan features, cost savings, or both. Vision plans are also available with any standard dental program. A variety of insurance companies’ products are available, and we assist employers in making a well-informed choice.

LIFE AND AD&D PLANS

Individual Life, Group Life, and Accidental Death & Dismemberment plans offer a simple and affordable way to provide protection for you, your employees, and their families from financial hardships associated with loss of life or serious accidents. We work with employers to customize a Group Life and AD&D program that fits their needs.

DISABILITY

Employers may face reduced productivity, replacement worker costs and decreased workplace morale when employees are disabled. Employees may face personal, medical and financial challenges. To minimize these effects, we encourage employers to consider incorporating a disability program. We assist you in determining which Short Term Disability and/or Long Term Disability program would complement your current benefits, while working to accomplish your goal of caring for your employees and their need to secure their income during a disability.