Group Health Insurance

Let Us Show You How To Attract & Retain Productive Employees

Studies have shown that employees with health insurance are more productive and less transient. And in today's economy, health insurance benefits are a vital element in attracting and retaining good employees. We recognize that from an employers perspective, providing health insurance to your employees is a financial decision, as much as anything else.

 

Spirit Financial Concepts has been instrumental for many small and medium size businesses, in developing cost-effective health insurance plans. Let us show you how we can custom design a plan specifically for your company, that will insulate you from high deductibles, yet provide you and your employees with affordable coverage with great benefits, with top rated insurance companies.

 

Spirit Financial Concepts has helped many companies, and we can help you! Call today to schedule an appointment for a no-obligation consultation.

Dental and Vision

Spirit Financial Concepts can also add dental and vision benefits as part of your company health insurance plan for your employees. Regular dental and vision check-ups are vital to your overall health score. Through the latest technology, dentists and optometrists can play a role in early detection of several major health issues such as heart disease, stroke, diabetes, high blood pressure, and even brain tumors. Overlooking regular dental and vision check-ups can be fundamentally disastrous.

Disability Income Protection

Another very important element to a Group Health insurance plan, is the availability of Disability Income protection. Not only is it a great benefit option for the employee, but it's also a great tool in helping to keep your Worker's Compensation claims down.

 

Most low to middle income employees cannot survive a period without their regular take-home income each month, for very long. Disability income protection can fill the gaps for accidents only, or for accidents and sickness. Spirit Financial Concepts has you covered with many options, and we're here to help you analyze which options are best for you, your company, and your employees.

Life Insurance

A Group Insurance plan wouldn't be complete without the option of Group Life Insurance. Insurability of employees in a group policy setting is a simple, streamlined process, and a tremendous benefit for your employees. It's another great way to give your employees the peace of mind that makes their employment a positive experience.

Employer Tax Savings

There are many tax saving advantages for employers who have a Group Health insurance plan in place for their employees. For instance, did you know that employer paid health insurance premiums are tax deductible for the employer? And there are also tax advantaged accounts such as Health Savings Accounts (HSA's), Health Reimbursement Accounts (HRA's), and Flexible Spending Accounts (FSA's). The situations can be very different from one business to the next. The Group Health Insurance specialists at Spirit Financial Concepts are here to help you navigate your options.

For a detailed analysis of all your "Group Health Insurance" needs, please contact our specialists today for a non-binding consultation.

 

Contact us by phone, or use our online Contact Form.



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We also consult on the following types of coverage:

 

  • Life Insurance - Whether you're an individual, a business owner, or interested in estate planning, we have consultants with expertise all aspects of life insurance.
  • Critical Illness Insurance - Lump sum benefits paid upon first diagnosis of a critical illness. In the midst of a critical illness diagnosis, you will most likely suffer the loss of income, travel expenses connected to out-of-town specialists, and home health care. Protect yourself!
  • Disability Income - What would happen if, overnight, you were to lose your greatest asset. Your ability to earn an income.
  • Medicare Suplement Coverage - Did you know that even though you have Medicare Part A and Part B, you are still responsible for annual deductibles and 20% co-insurance on most of your medical treatment? This is where a Medicare Supplement comes in. Call us for a free consultation of your Medicare Supplement options. We're here to help!
  • Dental Plans - No networks. No waiting periods. Starting at $15.50 per month.



Spirit Financial Concepts is a member of the National Association of Health Underwriters.

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Spirit Financial Concepts is here to serve you in all your insurance needs!

(918) 236-4470

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