LARGE GROUP


Fully Insured Large Group Health Plans are available as Co-Pay or High Deductible Health Plan Options.

Co-Pay plans require the insured to pay a flat fee for certain medical expenses and the plan will pay the balance.  Plans may include different copay amounts for primary provider office visits, specialist office visits, urgent care, emergency care, and prescriptions. 

High Deductible Health Plans (HDHP) feature a high deductible with a limit on annual out of pocket expenses. This type of plan is typically coupled with a HSA (Health Savings Account). HSA is an account established to save money toward medical expenses on a tax-free basis. In order to have an HSA you must have a High Deductible Health Plan. Final Rates are subject to Underwriting.


Let's look at some options to help you build a benefits program that gives you an advantage when it comes to recruiting and retaining top talent:

DENTAL is available for large groups to offer employees on either a Voluntary Basis or Employer Paid. Participation requirements exist for these plans to be considered Voluntary or Employer Paid. 

VISION is available for large groups to offer employees on either a Voluntary Basis or Employer Paid. Participation requirements exist for these plans to be considered Voluntary or Employer Paid. 

LIFE is available for large groups to offer employees on either a Voluntary Basis or Employer Paid. Participation requirements exist for these plans to be considered Voluntary or Employer Paid. 

SHORT TERM DISABILITY is available for large groups to offer employees on either a Voluntary Basis or Employer Paid. Participation requirements exist for these plans to be considered Voluntary or Employer Paid. 

LONG TERM DISABILITY is available for large groups to offer employees on either a Voluntary Basis or Employer Paid. Participation requirements exist for these plans to be considered Voluntary or Employer Paid. 

HRA (Health Reimbursement Account) is established by you, the employer, to reimburse your employees’ medical expenses. Only an employer can contribute to a health reimbursement account and the employer is required to sponsor a fully insured group health plan. When these are paired with a fully insured group health plan, they are administered by a TPA (third-party administrator).

FSA (Flexible Spending Account) is established by you, the employer, for employees to save money towards medical expenses on a tax-free basis. This is a yearly established account and any balance remaining at the end of the year is lost. These are administered by a TPA (third-party administrator).

Rely on the experience and expertise of our Health & Benefits team to guide you through the options. 920-898-5731