Group Health Insurance

There are many options today when it comes to group health insurance. You need to understand benefits and terms of health insurance. The most important factor is to have a company that understands the options and what would be best for your company. That is what the Welch Insurance Team does for you.

Schedule a convenient time to have conversation about how we can help


Or Call 800-641-3315

Options for groups:                                

Direct with one carrier: You can offer one carrier and a number of plans within that one carrier. We work with your company to have a controlled contribution. This allows employees to purchase the plan that best fits their needs. It also allows you to control the contribution made by the company.

One additional carrier with Kaiser: You can offer one health insurance carrier and have Kaiser also. However, there are participation rules for each carrier. We work with the company to have a controlled contribution. This allows employees to purchase the plan that best fits their needs. It also allows you to control the contribution made by the company.

Private Health Insurance Exchange: Able to offer all carriers and plans in adjacent metal tiers such as Gold and Silver; with over 40 plans for employees to pick from. We work with the company to have a controlled contribution. This allows employees to purchase the plan that best fits their needs. It also allows you to control the contribution made by the company.

SHOP: Government health insurance exchange offers all carriers and plans in adjacent metal tiers such as Gold and Silver with over 40 plans that gives a company tax credit for two years and the possibility of tax deductions. We work with the company to have a controlled contribution. This allows employees to purchase the plan that best fits their needs. It also allows you to control the contribution made by the company.

MEC (Minimum Essential Coverage): gives the 63 essential services to meet the ACA requirements so your employees do not pay a penalty and can be offered year-round. The premiums can be company sponsored or paid completely by employees.

PEO (Professional Employer Organization): Offers composite rating for health insurance rather than age based, which is used for small groups 2 to 99 employees. Gives support to HR and Payroll services.

Telemedicine: 24/7 access to doctors, independent of your health insurance and you do not need health insurance to have Telemedicine.

To confirm that your group insurance is your best option, simply make a phone call to 800-641-3315.

Your employee’s needs are diverse because they are individuals with their own requirements. As an employer you are always concerned about controlling cost and looking for the best value to satisfy your requirements. We can help.