GIVE uS A RING
803-432-4960
GIVE uS A RING
803-432-4960
the guidance you need to choose
the right employer coverage
Group health insurance is a policy that employers offer to their employees. In many cases, the employer offsets the cost of the health insurance as one of the benefits they offer to their employees. Alpine Agency partners with your business to find the right group health insurance solution for your company. We provide ongoing support while you hold the policy. Offering group health insurance is essential for a South Carolina business because it helps you find and retain the best talent in your industry.
Employer-sponsored group insurance is a health policy selected and purchased by the employer and offered to eligible employees and their dependents. These benefits are also called group plans and are divided into two groups: Small Group and Large Group. The employer typically shares the cost of the premium with the employees.
The core benefit of group health insurance is always the medical coverage. It can include doctor’s visits, testing, and surgery. Other popular benefits that can be added include dental and vision. Some companies offer additional coverage, including life insurance, disability, and flexible spending accounts.
Many plans, including HMOs, PPOs, and more, are available. An HMO can offer low-cost medical care, but it requires you to coordinate benefits with your primary care physician within its network, and going outside the network is costly. A PPO provides similar benefits to an HMO, but you have more freedom to choose the doctors you prefer with a broader network.
Choosing adequate, continuous health insurance coverage provides a solid foundation for balancing costs and prioritizing care for your employees. With Alpine Agency, you’ll find a wide range of plans and carriers no matter if your business is large or small.
In addition to health plans, Alpine offers supplementary options such as vision, dental, and life insurance plans. But that’s not all, add-ons like critical illness, disability coverage, and more can make your employer-sponsored group insurance bundle complete. Helping your employees live healthier and happier lives. And that’s good for everyone — including your business.
Offering group health insurance reaps benefits. It can attract and retain top talent and boost employee morale. Since employees can visit the doctor when they get sick, the coverage can help increase productivity.
Group health insurance offers tax advantages for the employer. The cost of health insurance you pay as an employer can be written off your taxes as a business expense. The advantages include:
Who Needs Group Health Insurance?
You need group health insurance if you’re a business owner in South Carolina. It benefits companies of all sizes, whether you have five employees or 50. Many industries offer healthcare. These include construction, healthcare, hospitality, and more. No matter what type or size of business you run, offering group health insurance is always beneficial.
If the diagnosis looks bleak, it’s time to start searching for a new group plan.
If you aren’t confident in the answers to these questions and think your plan may be lacking, give Alpine a call and see how we can help!
If your organization’s health care costs are out of control, they are likely prohibiting you from keeping and attracting valuable employees.
For more than 20 years, Alpine Agency has helped provide South Carolina employers with custom built plans for their employees.
From comprehensive health insurance to supplemental benefits, your employees will find large company coverage at small scale costs.
With a wide variety of plans at cost-effective prices, you’ll find everything you need for comprehensive employee coverage.
These are separate packages you can add to each basic health insurance plan to create a custom bundle for your employees.
In addition to the basic life insurance your employees receive with their health care plan, we provide further supplemental options that cover your employees’ specific needs.
Do you want to provide additional benefits for your employees that go the extra mile? Our South Carolina agents can offer a variety of options, such as cancer and accident insurance.
Many factors go into the final cost of group health insurance, including the number of employees, industry, and zip codes.
You can enroll when your company chooses to offer plan benefits. Most organizations enroll on a fiscal year or a calendar year.
With many group health plans available, it can be challenging to find the right one. You need to review your employees’ needs and the budget you have set for the plans. A professional from Alpine Agency can help you review your options.
Employers can decide who their plans cover. If an employer offers coverage, they can contribute to the employee-only premium or they may decide to contribute to all plans.
When employees lose their jobs, their plans usually cover them through the end of the current month. An employer with over 20 employees may need to offer continuing coverage under COBRA or the Consolidated Omnibus Budget Reconciliation Act.
Local South Carolina insurance agents from Alpine Agency can help you navigate the complexities of your health care options. Our goal is to give you personalized service and to help you find the plan that best suits your needs and budget. We start with a personalized consultation and plan selection. Our team is ready to provide support throughout the enrollment and onboarding period. Our support goes beyond the first weeks and continues with plan management throughout your time with us.
You have enough to worry about running the day to day for your organization. Let us help take the load off your shoulders and build a custom suited employee benefits plan for you. Here’s how to get started.
stepone
We'll match you up with a local agent who will assist you through the process.
steptwo
Review all of the healthcare options based on your unique criteria. Enroll with ease!
stepthree
Be confident in your plan and live your life fearlessly!
