Comprehensive group plans for businesses of all sizes, plus a clear picture of what happens between your first conversation with us and your team's first day of active coverage.
In a group plan, the business owns the policy and employees enroll under it. Premiums are shared between employer and employee at whatever split you choose, and carriers typically require a minimum share of eligible employees to participate.
We discuss your headcount, current benefits, budget, and goals to identify likely plan structures.
You provide basic employee census data (ages, ZIP codes, dependent counts) so carriers can generate accurate quotes.
We review contribution scenarios in real dollars so you can compare cost against coverage before committing.
Employees complete enrollment forms and select any add-ons, like dependent coverage, within the carrier's window.
The carrier confirms participation minimums are met and finalizes group approval.
Coverage begins on the agreed effective date. We stay involved for questions during the first billing cycle.
Many businesses cover 50 to 100 percent of the employee-only premium and let employees buy up for dependents. We model two or three contribution scenarios in real dollars so you can see exactly what each approach costs per month before you commit.
Carriers typically require at least 50 to 75 percent of eligible employees to enroll, though the exact threshold varies by carrier. Employer contribution level often affects how many employees choose to participate.
Team size and average age, your location and the networks available there, the plan tier you select, and your contribution strategy all factor into the rate.
Most groups move from an initial consultation to active coverage in two to six weeks, depending on how quickly census data, enrollment forms, and carrier underwriting are completed.
Tell us your headcount and target effective date, and we'll map out what enrollment will actually look like for your team.