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
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.
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.
