Group Products, without the guesswork.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
Our commitment to you
- Service. We assist you and your employees in resolving claims issues and answering benefits questions. You'll get our toll-free number, your Account Manager's business card for every employee, and bulletin board posters so your team knows help is a call away.
- Market knowledge. We keep you current on new ideas and concepts in the benefits arena to help you control costs while retaining valued employees.
- Compliance expertise. We advise you on insurance compliance issues such as COBRA, HIPAA, ACA, and coverage mandates.
Where are you starting from?
First benefits package
Renewal came in high
Headcount is changing
What's in a group package
Group health
Medical coverage for your team, quoted across every local and national carrier we represent.
Dental
Preventive, basic, and major services. Usually the most-used benefit after health.
Vision
Exams, lenses, frames, and contacts. Low cost, high visibility with employees
Hearing
Exams and hearing aids. Often overlooked, increasingly requested.
Short-term disability
Replaces a portion of income during a temporary illness or injury.
Long-term disability
Replaces a portion of income when someone can't work for an extended period
Group life
A base level of life insurance for every employee, usually with the option to buy more.
How it works
Tell us about you
We compare carriers
Review your options
Enroll with support
What to have ready
-
Your employee census
Names, dates of birth, zip codes, and coverage tier (employee, spouse, family) for everyone eligible. -
Your current plan documents
Summary of benefits and the latest renewal, if you have coverage today. -
Your contribution strategy
How much of the premium you want to cover, or a budget to work toward.
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Your business basics
Legal entity, industry, and number of full-time-equivalent employees. -
Your renewal date
So we can work backward and give you time to decide. -
Your questions
Write them down. People forget them on the call every time.
Who you'd be working with
Kayla Sadler-Busbey
Jordan Fate
Joe Masucci
Stacy Parker
Common questions
Nothing. Carriers compensate us directly. Your premiums are the same whether you buy through us or go straight to a carrier — but through us you get an account manager and year-round service.
Possibly, depending on your size and current plan. The ACA sets rules around essential benefits, waiting periods, and — above a certain headcount — whether you’re required to offer coverage. We review your plan against current rules and tell you exactly what applies to you.
For most small employers, it changes the options, not the obligations. We’ll explain how the marketplace and the small-group market interact for a business your size, and whether either one helps you.
Rates change every year for every group. What we control is whether you see the whole market at renewal or just one carrier’s number. We evaluate every viable carrier before you sign.
Some small employers do, based on headcount, average wages, and the share of premium the business pays. We’ll tell you whether you’re likely to qualify and what to talk through with your accountant.
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One agency, every policy that matters
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