Johns Creek Group Health Insurance & Employee Benefit Plans

Group Health Insurance and Employee Benefits

Group health insurance helps pay for medical treatment and covers doctors’ visits for a group of people like employees of a company. All members in the group get the same benefits. This promotes a feeling of belonging to a community and unity. Premiums for group health insurance are less expensive compared to individual plans because the risk is spread among the participants.

Group health insurance benefits both the employer and the employees. You will get motivated employees, which in turns boosts productivity, because the high cost of hospitalization is covered. This will see you retain your most valued employees. They feel more attached to the company because their family members are also covered.

What to Look for in an Insurance Provider

Choosing an insurance provider can be challenging. Some of the things to consider include:

• Good business sense – Choose an insurance provider that understands the legal and financial aspects of their products and services.
• Customer service – Good customer service is important when it comes to choosing an insurance provider. You want to work with an insurance provider that is available whenever you need them and can answer your phone calls and messages in a timely manner.
• Licensing – An insurance provider should be licensed by all relevant authorities and should be able to work in your state and provide the policies you are looking for.

Benefits of Working with an Insurance Broker

Working with an insurance broker, rather than directly with the insurance company, will save you time and money. Some reasons why they are important include:

• Brokers are experts in their field so they will find the right insurance cover for your needs, according to your financial ability.
• They will help you during the rather complicated claim process. They deal directly with the company and answer questions as well as complete any formalities needed. They will be your advocate and will ensure quick and efficient claim management.
• Insurance brokers work with different insurance companies therefore they have a wide range of products to choose from. They have access to products which may not be available to a customer.