We are employee benefits insurance brokers with over 40 years combined experience serving small businesses throughout the state of Florida. Whether you have two or two hundred employees, we will find plans that fit your needs, no group is too small or too large for us.
In addition, these plans can be issued as employer paid, employee paid,(health must be partially employer paid) or a combination of both. We will provide you with fast free quotes on all or any of the following benefits:
Group Health
PPO, HMO, POS, and HSA plans from:
Florida Blue, United Healthcare, Humana, Avmed, & others
Group Dental
PPO, HMO, and Indemnity plans from:
Delta, Metlife, Standard, Humana, & others
Group Life, Vision, and Disability
Both long and short term plans from:
Guardian, Standard, Humana, Metlife, & others
In addition to benefit plans, we offer the following services to our clients at no charge:
Full enrollment services which can include one on one employee meetings, group meetings or cloud based employee self service enrollment.
Section 125 plan (cafeteria plan) plan documents and employee election forms.
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Additions and terminations of employees from the plan and bill reconciliation if needed
We are available seven days a week for you and your employees if you have a question or concern
If you are looking to set up a group health and or employee benefits insurance plan for the first time or already have a plan in place and want to make sure you have the best plan for your company, we can help. Simply fill out the contact request form below, give us a call at 888-267-2656 or download a paper census form, fill out, and fax or email back to us. Either way upon receipt we will send you comprehensive and affordable group health insurance quotes. If you have questions in the meantime, please visit the FAQ section below.
Frequently Asked Questions
Am I required to offer group health insurance to my employees?
Only if you employ more than 50 full-time or full-time equivalent employees.
What is a full-time equivalent?
The hours of part-time employees are added together to equal one full-time employee. For instance if you have 2 part time employees working 15 hours per week, that would equal one full time employee.
So if I am under that number I do not have to offer coverage?
That is correct, employers with fewer than 50 full time or equivalent are under no obligation to offer group coverage to their employees.
What if I am required to offer coverage but fail to do so?
Starting in 2015 you would be fined $2000 per employee (minus the first 30).
Are their limits as to what kind of plan I can offer to my employees?
Yes your plan must cover all 10 essential health benefits, it must cover at least 60% of a typical medical bill and the cost to employee cannot exceed 9.5% of his or her adjusted gross income.
What if my plan does not meet that criteria?
Starting in 2015 you would pay a $3000 penalty for each of your employees that enroll in a government subsidized plan in the Federal health Insurance Exchange.
If I have a group plan now can I keep it?
If your plan was in place prior to march 23rd 2010 and you have not made any substantial changes to it, you will be able to keep your current plan.
What if my plan was written after March 2010?
When your plan renews you will have to switch to a plan that is healthcare compliant.
What does healthcare compliant mean?
Your plan must include all 10 essential health benefits and in 2015 your plan cannot have a deductible that is more than $2000 nor can it have an out of pocket maximum more than $6350.
I currently have a 6 month wait for new hires to be eligible for my plan; can I keep that in place?
No, starting in 2014 the longest waiting period for new hires is 90 days.
Will I get government help in paying my employees premium?
Tax credits are available for companies with fewer than 25 full time employees and the average employee makes under $50,000 annually. However in order to receive the tax credits (35%) you must purchase your coverage from the Small Business Health Exchange (SHOP).
What if I offer coverage but some of my employee cannot afford to enroll?
If the cost of your plan exceeds 9.5% of the employees household income they will be able to purchase a health plan on the Federal Health Exchange and apply for tax credits to help pay their monthly premium.
What if I need more information?
If you need more information or have additional questions, please contact us or call us at 888-267-2656.
If you would like a free no obligation quote, simply , call us at 888-267-2656 or click the Get Free Quote link above. Either way we will answer your questions and email you quotes the same business day. It costs nothing to get a quote but it could cost thousands of dollars annually not to.