We’re A Local Group Health Insurance Agency
Based in Clemmons, NC
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Finding the Best Group Health Insurance Programs in Winston Salem
Group healthcare plans not only protect your employees’ health, but also provide everyone with peace of mind. In fact, offering great health coverage is one of the best ways to stay competitive in attracting and hiring great candidates.
The plans we recommend are optimized for groups of 50 or less employees.
Our group health insurance agents are not beholden to any one carrier or policy type. Their main concern is helping you determine the most advantageous healthcare plans for your company and its staff.
What “best” means for you might be specialized types of coverage, pricing, or tax credits. We can discuss those goals with you during our conversations, and make specific recommendations.
You don’t pay anything additional to purchase a group health insurance plan through an agent.
You gain confidence in what you are offering to your valuable people.
HMO HEALTH PLANS
Health Maintenance Organization (HMO) plans provide a range of healthcare services through a network of partnered or exclusive providers. Employees covered under an HMO plan typically choose a Primary Care Physician (PCP) who becomes their main point of contact for most healthcare needs.
The PCP not only manages routine care but also coordinates referrals to in-network specialists when specialized treatment is required, ensuring a streamlined and efficient approach to healthcare.
PPO HEALTH PLANS
PPO plans are among the most popular choices for health coverage. They provide access to a network of preferred doctors and hospitals, ensuring claims are paid at the highest level when employees use in-network providers.
While out-of-network care is typically available, it may come with higher out-of-pocket costs.
HSA-QUALIFIED HEALTH PLANS
HSA-qualified plans are usually structured as PPO plans but are designed specifically to pair with a Health Savings Account (HSA).
An HSA is a special savings account used exclusively for future medical expenses, offering the added benefit of pre-tax contributions. These plans can be a smart choice for employees looking to save on taxes while planning for healthcare costs.
INDEMNITY HEALTH PLANS
Indemnity plans offer the ultimate flexibility, allowing employees to direct their own healthcare by choosing any doctor or hospital.
While the insurance company covers a portion of the total costs, employees may need to pay for some services upfront and seek reimbursement afterward. These plans are ideal for those who value freedom in their healthcare decisions.
Increased Employee Retention, Lower Hard Costs
According to a recent survey by the Society for Human Resource Management (SHRM), nearly 60% of employees reported that health benefits are a major factor in deciding whether to stay with their current employer.
There are similar stats for candidates choosing whether to accept a job offer, related to whether the employer provides good health coverage or not.
For small to medium-sized businesses, this makes offering healthcare benefits a smart investment in reducing turnover and ensuring stability within the company.
Under North Carolina law, businesses may qualify for certain tax credits or deductions when they offer healthcare benefits, reducing the overall cost of providing these plans.
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Qualifying For A Business Tax Credit
If you’re a small business owner with 25 or fewer full-time employees and an average annual salary of $50,000 or less, you might be eligible for a federal tax credit. This credit can reimburse up to 50% of the premiums you pay for your employees’ medical, vision, and dental insurance. (Certain restrictions apply.)
Smaller businesses — those with fewer than 10 full-time employees and average annual wages of $25,000 or less—may even qualify for the full credit, maximizing their savings.
With a convenient office in Clemmons, we’re ready to provide clarity and support tailored to your needs.