Group Insurance Made Easy!

One key component of a successful business is providing for your employees. To help you obtain group benefits that are right for your company, Heart of Georgia Insurance searches multiple carriers and products. Securing quality group benefit plans, designed by our knowledgeable and experienced team at Heart of Georgia Insurance can help you ensure your employees are fully covered. Proudly serving all employers in Georgia, contact our team today at (478) 745-4741 to get started.

Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers
Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers

Group Health & Employee Benefits 

Group health insurance is coverage through an employer or other entity that offers coverage to all eligible individuals in the group. Georgia defines small group as a maximum of 50 employees. If an employer has more employees than the state’s definition of small group, the plan is considered a large group. Group health insurance is one of the most popular employee benefits that employers provide.


Offering an attractive health insurance policy is a key benefit that will help you attract and retain talent. While not required for all companies, it is a benefit you will need to provide your employees in order to stay competitive. For large employer groups, offering group health insurance may be required under the Affordable Care Act.



Providing group health insurance offers important tax benefits. The premiums you and your employees pay are tax deductible. This reduces your employees’ taxable income, which lowers your business payroll taxes.


Aiming to help you design the group medical benefits your organization requires, Heart of Georgia Insurance Brokers ensures we maximize the protection while minimizing the cost. From Health Maintenance Organizations to Preferred Provider organizations, our team can walk you through the range of plans and extensive options to choose from to ensure your employees with easy access to their providers.

HSA/HRA

An HSA is a tax-advantaged savings account that you can use to pay for qualified medical expenses that your High Deductible Health Plan doesn’t cover. 

Health Reimbursement Arrangements are employer-funded group health plans from which employees are reimbursed tax-free for qualified medical expenses up to a fixed dollar amount per year.

Level Funded 

A level-funded plan is a type of partial self-insurance that includes monthly cash flow stabilization. You pay for the claims incurred (like all self-insurance plans), but with level-funding, you have a cap on costs and could receive a refund of any surplus. 

Section 125

A cafeteria plan is a separate written plan maintained by an employer for employees that meets the specific requirements and regulations of section 125 of the Internal Revenue Code. It provides participants an opportunity to receive certain benefits on a pretax basis. 

Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers
Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers

Dental 

One of the most requested insurance plans by employees, dental plans are an important part of your benefit package. With multiple providers to choose from, Heart of Georgia Insurance Brokers can help tailor a dental plan to your specific needs. 

Vision

Approximately 70 percent of adult Americans report wearing some type of corrective lenses. Group vision coverage is one of the benefit options commonly offered through employers. When you have vision insurance, you pay a premium and the insurance company will cover part or all of the cost for vision care, lenses, frames and contacts.

Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers
Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers

Life 

Group life insurance helps to provide security for your employees’ families or loved ones by making a payment if an employee dies. Group life insurance is issued to cover employees. The contract is issued to the employer who then offers coverage as a benefit to employees. Many employers provide, at no cost, a base amount of group coverage as well as the ability to purchase additional coverage and coverage for employees' spouses and children.

Disability 

Group Disability Insurance is a form of coverage that provides partial payment of your employees’ income in the event of a major illness, accident, or sickness. 


An employee’s inability to come to work due to a disability could seriously impact his or her financial standing and may lead to severe hardship for the employee and his or her family.



Group Disability Insurance provides income replacement benefits to employees while they are unable to work, maintaining their standard of living until they can hopefully return to their job. 

Group Insurance - Macon, GA - Heart Of Georgia Insurance Brokers

We’re here to help you with your group insurance plans! Simply call (478) 745-4741! to discuss your requirements.

We’re here to help you with your group insurance plans! Simply call (478) 745-4741! to discuss your requirements.

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