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 Health & Employee Benefits
Traditional ACA and Level-Funded Plans
Traditional ACA Health Plans
ACA Plans are federally regulated major medical insurance with full coverage for pre-existing conditions
and standardized essential benefits.
They're ideal for clients who need guaranteed coverage.
- No health questions or underwriting
- Preventative care at no cost
Level-Funded Health Plans
Level-Funded plans are an alternative for healthier groups who want lower premiums
and the chance to receive a refund if claims are lower than expected.
They blend the stability of traditional insurance with the potential savings of self-funding.
- Health-based underwriting
- Potential for monthly savings
- Opportunity for year-end surplus refund
- Works best for small groups with generally good health
HSA, HRA, and ICHRA
Health Savings Account (HSA)
A tax-advantaged savings account paired with a High Deductible Health Plan (HDHP).
You can use HSA funds tax-free for qualified medical expenses, and the money is yours to keep year after year.
Health Reimbursement Arrangement (HRA)
An employer-funded benfit that reimburses employees tax-free for approved medical expenses, up to a set amount.
The employer funds it; employees receive reimbursements.
Individual Coverage HRA (ICHRA)
An HRA that lets employers reimburse for individual health insurance premiums and qualified medical expenses.
Employees choose their own ACA-compliant plan, and the employer sets the monthly allowance.
Section 125
A Section 125 Cafeteria Plan is an employer-sponsored, IRS-approved plan that lets employees pay for certain benefits on a pre-tax basis. It must be set up as a formal written plan and allows employees to reduce taxable income by choosing eligible pre-tax benefits.
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.
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.
