Employer-sponsored PPO group plans from Anthem, BCBS, Cigna, UHC, and Aetna — five carriers compared, quotes in 48 hours, bound within the week. Or non-employer-sponsored group benefits that don't cost the business a dollar.
Fully-insured group health from the five major carriers. Choose the contribution split, set the eligibility waiting period, and offer one or more plan tiers. Quotes from all five carriers in 48 hours.
Individually underwritten employer health plans where the employer doesn't contribute — but the employees still get group-style benefits and a clear retention message. Solid for tight margins.
You send a census (a simple spreadsheet — we provide the template). We open quote requests with all five carriers.
Five carriers, three plan tiers each, mapped onto a single comparison sheet. We walk you through it on a call.
You pick the carrier and the contribution model. We prep enrollment paperwork and the compliance documents.
Employees enroll. We onboard them. Carrier issues policy and ID cards. Coverage starts the first of the next month.
Five most common on the first call with a business owner.
Two enrolled W-2 employees, including the owner, in most states. We can route single-owner shops onto the 1099 self-employed path if a true group plan doesn't work yet.
No, not in the non-employer-sponsored path. In the traditional employer path, most carriers want at least 50% of the employee-only premium, but we'll model what works for your budget.
Most groups set up a pre-tax Section 125 deduction so the employee portion comes out before income tax. We can hand your payroll provider the exact setup instructions.
Sometimes. When we bring competitive quotes back to an incumbent, they'll often improve the renewal. We're happy to use that leverage on your behalf — you don't have to switch.
Standard. Our group plans run on national PPO networks, so an employee in Oregon and one in Florida are covered the same. We just verify state availability on the front end.