For groups 2 to 99 Employees
Groups with as few as 2 employees can enjoy the health insurance benefits of large companies
When you sign up for group insurance coverage through Welch Insurance your company might also be eligible for an affordable payroll program, free HR support which includes a free company handbook, compliance hiring onboarding, and retention guide. Your employees could also take advantage of the free discount dental, vision, wellness, hearing, and Rx discount card. We are also proud to offer discounts for entertainment including sporting events, amusement parks, movies, online shopping, and much more.
Would your company like to have choices of health insurance for you and your employees that large companies offer? Well, you can. You can offer each employee a different policy from a different company that meets their needs. Whether your employee is 22 years old and has no responsibility. But rides dirt bikes on the weekends. Or 35-year-old employee with a wife and two children, one that has a chronic condition. They can pick the plan that meets their needs. The best part is you can control the company contribution regardless of what each employee picks.
In today’s market for the best employees, you need to supply what the employee wants. It is never easy to hire good employees and it is expensive. To keep and attract the employees you want, you need to give them benefits. Health insurance is on the top of all employees lists to day. The high cost of medical coverage and drug costs are not going away. The cost of contributing to a health insurance plan for your employees and offering them choices of companies and plans will help you more than a pay increase.
You can offer one health insurance carrier and have Kaiser also. However, there are participation rules for each carrier. We work with your company to have a controlled contribution which allows employees to purchase the plan that best fits their needs. It also allows you to control the contribution made by your company.
We can offer multiple companies and plans in adjacent metal tiers Platinum, Gold, Silver and Bronze; with over 40 plans for employees to pick from. Select from eight top health companies, and multiple plan designs including HMO, PPO, HSA, and EPO options. We work with the you to have a controlled contribution. This allows employees to purchase the plan that best fits their needs with the carrier they want. It also allows you to control the contribution made by the company.
No, you can change or add a group health insurance plan at anytime, or change monthly.
If you’re a small business with fewer than 50 full-time and full-time equivalent (FTE) employees, the Affordable Care Act (ACA) does not require you to offer health insurance to employees. However, many smaller businesses offer employee benefits as part of their employee recruitment and retention strategy.
Small businesses do not have to offer coverage to employees’ dependents either, although many do – again, to help attract and retain top talent.
You also do not have to offer benefits to part-time workers (those averaging less than 30 hours per week) or seasonal workers.
Depending on the health plan or health insurance exchange you select, you may have a choice of a fixed percentage amount (50% to 100%) or a fixed dollar amount for each employee. If an employee selects a plan that costs more than you are contributing, he or she simply pays the difference. And, at renewal, you have the option to change your contribution – giving you control over your costs for another year.
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For more information to help make a good decision about group health insurance you can
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