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团体健康保险

公司的健康计划.

团体健康保险,保护您的依赖.

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在一般情况下, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We’ll help you navigate the healthcare process so you can hire and retain top talent.

这是给员工最重要的福利之一.

有些员工福利感觉像是不错的奖金, 但大多数情况下, employees see healthcare as a core part of the compensation package–arguably as important as the salary itself. Buying group health insurance is an economical way for your business to recruit and retain staff, 并增加他们适合工作的可能性.

保险计划的范围从只覆盖雇员到包括家属.

视计划而定, your business can cover employees only or can choose to offer coverage to the family and financial dependents of employees, 也. Additionally, your company can choose to cover the premiums in full or split the cost with employees.

交互式图形

点击它. 读它. 覆盖它.

  • 点击热点.
  • 发现你的风险.
  • 选择合适的保险范围.
员工福利
团体健康保险
风险因素

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. 这通常从你的团体健康保险计划开始.

解决方案

不管公司的财务状况如何, there are ways to make health insurance available to your employees and their dependents. 提供健康保险并不会让你倾家荡产. There are many solutions available to small, mid-size, and large employers.

团体人寿保险
风险因素

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their 家庭 when the need arises.

解决方案

团体人寿保险计划可以让你的员工放心, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. 团体人寿保险也是免税的.

残疾
风险因素

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

解决方案

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. 员工可能会在其他地方得到更高的工资, but are they offered protection if that paycheck stops due to pregnancy, 疾病, 或者其他残疾? 他们将如何支付抵押贷款或其他账单? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

团体牙科保险
风险因素

Failure to have regular dental checkups can lead to more serious problems than a toothache.

解决方案

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. 牙龈疾病与心脏病和糖尿病有关. 及早发现这些问题不仅有助于员工的健康, it may help reduce your long-term health insurance costs before a big claim hits!

视力保健范围
风险因素

类似于牙科保险, 如果你的员工没有定期进行眼科检查, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

解决方案

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, 成为具有成本效益的, 早期干预工具.

自愿保险
风险因素

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, 这两种方法都可能对你的底线造成损失.

解决方案

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. 自愿承保的例子包括:

  • 危重疾病、医院赔偿和癌症保险.
  • Life, dependent life, short-term, and long-term disability coverage.
  • 牙科保健.
  • 视力保健.

合规审计
风险因素

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

解决方案

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

保险费用是如何确定的.

The costs associated with group health insurance vary depending on where your business is based, 你想要覆盖多少员工, 以及员工的年龄.

平价医疗法案如何影响团体健康保险.

自从《韦德足球官网》生效以来, the medical history and pre-existing conditions of the employees don’t matter. 因为你要用团体健康保险来分担风险, the price your business pays per employee is usually much less than the average amount they’d pay if they bought insurance individually.

雇主可获得的潜在税收优惠.

团体健康保险也有税收优惠. 你作为雇主支付的保费是完全免税的. Very small businesses can also get a tax credit worth up to half the cost of the premiums.

准备为你的员工提供团体健康保险? 我们可以帮你权衡选择.

团体健康保险 - Family Doctor Helping Baby with Teddy Bear

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