Employee Health Insurance

Side-by-side comparisons of group medical plans with clear premiums, employer contributions, and plan highlights—no jargon. We’ll help you pick, launch, and support the plan year-round.

• HMO — coordinated care with lower premiums.
• PPO — broad access and out-of-network options.
• EPO — PPO-like network, no referrals (typically no OON).
• HDHP + HSA — tax-advantaged savings with lower premiums and higher deductibles.

• Model employer/employee splits and dependent tiers (employee only, +spouse, +child, +family).
• Eligibility rules (full-time hours, waiting periods, probationary periods).
• Participation requirements and minimum employer contributions (varies by carrier/state).

• Open enrollment setup with clean summaries employees actually read.
• Support for qualifying life events (new hires, marriage, birth, address changes).
• Year-round help with ID cards, billing, and claims questions.

• We coordinate with carriers/TPAs for plan documents and required notices.
• High-level guidance on ACA thresholds and reporting timelines; we’ll align you with carrier/admin resources for filings.
• Integrations or file feeds to common payroll/HR systems when available through the carrier.

• Dental & Vision
• Group Life & AD&D
• Disability (STD/LTD) & ancillary options