Group health and benefits for small employers

What it covers

Group medical is the centerpiece, and we quote it across carriers including Wellmark Blue Cross Blue Shield. Dental and vision are inexpensive additions employees notice. Group life and disability protect families if the worst happens, and voluntary benefits let employees add coverage at group rates on their own dime. Every plan comes with an annual renewal review, because the market changes and the renewal you are offered is rarely the only option.

• Group medical, including Wellmark Blue Cross Blue Shield
• Dental and vision
• Group life and disability
• Voluntary benefits
• Annual renewal review

Who it's for

Small and mid-sized employers in the Clinton area who want to offer benefits without hiring someone to manage them: shops, offices, contractors, farms with hired help, and nonprofits. Whether you are offering coverage for the first time or tired of your renewal going up every year, the process starts the same way.

Why quote it with an independent agent

We'll handle the renewal shopping every year so you don't have to. That means comparing plans against your census, explaining the trade-offs in plain English, and handling enrollment and the paperwork with the carrier so you can get back to running the business.

Good to know

Small-group medical plans are guaranteed issue: no employee can be declined or rated up for health history, which is a real advantage over individual coverage for a team with a range of ages and conditions. Carriers do set participation and contribution rules, typically a minimum share of eligible employees enrolling and a minimum employer contribution, and we make sure the plan you pick is one your group can actually qualify for.

Renewals arrive roughly two months before the plan year, and that is when the shopping should happen, not after. We compare your renewal against the alternatives, including level-funded plans that can return unused claims dollars to a healthy group, and present the options in one meeting. Employees then enroll through us, and questions about ID cards, claims, and coverage come to a local office rather than a carrier phone tree.

What to bring for a quote

• An employee census: names or ages, ZIP codes, and whether each employee has dependents to cover
• Your current plan documents and renewal, if you have coverage today
• How much the business plans to contribute toward premiums
• Which benefits matter most to your team, so we quote what they will actually use

Start online and we will follow up for anything we still need. Start a group health quote, or call (563) 242-4000.