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North Carolina Group Health Insurance
Group insurance plans are important to North Carolina businesses and their employees. Businesses benefit from group insurance plans because they help attract and retain employees. Employees benefit from lower premiums because of favorable group insurance rates and employer contributions.
Regardless of the size of your business, there's an affordable group insurance program that will meet your budget and provide your employees with high-value coverage. There are many companies licensed to do business in North Carolina and the highly competitive group insurance market helps keep premiums reasonable.
Many of the group insurance program providers are regional and national insurers. Because they have nation-wide networks they are able to provide coverage for North Carolina business' employees that live and work outside of North Carolina's borders.
Group insurance programs very flexible and offer a wide range of coverage options. You can provide employees a fixed program where you select the products and coverage options. Or you can offer a menu approach that gives each employee the ability to select the coverage options that best meet his or her needs.
Group medical and life insurance are the mainstays of most group plans, but other group insurance coverages are available. You can tailor your group program from the following menu:
- Group Medical Insurance
- Group Dental Insurance
- Group Vision Insurance
- Group Disability Insurance
o Short term disability
o Long term disability
- Group Life Insurance
o Basic and optional term insurance
o Dependent life insurance
o Universal group life
- Business Travel Accident
- Accidental death and dismemberment insurance
Program administration is often a concern for employers because businesses don't want to add personnel to handle non-productive paperwork. Providers of group insurance plans have solutions for this common concern. They provide administrative and claim support services via toll-free 800 numbers and internet websites. This service helps reduce the time and effort required by the employer for program administration.
Group providers are also providing new and innovative online support in other areas. Many program providers offer practical wellness information about medications, symptoms, tests, nutrition, helpful checklists, guidelines, and suggestions for preventative care. Employers and insurers understand providing pro-active preventive care can help lower overall program costs and reduce employee absenteeism.
Employers appreciate the online content because it is a value-added service they can provide to their employees. Employees find the information helpful to better understand common illnesses that can often lead to disability. Employees also appreciate family support articles during times of illness.
The price you will pay for insurance depends upon a number of factors, but you control the cost when you select the coverage options, deductibles and co-payments that meet your needs and budget. However, choosing the right group provider and coverage options to meet your business needs doesn't have to be a time consuming and difficult task.
By enlisting the help of a state-licensed insurance professional the job of selecting an appropriate group program is much easier. Insurance professionals have the experience and knowledge to help you obtain the best value for your insurance dollar. They know and understand group insurance. They can help you select the right company, policy and coverage options.
If you are interested in an employer group program, one of the insurance professionals will work with your to find the program that meets your business requirements.
T. Stanley & Company, Inc. has been in business for over 10 years providing a wide range of group insurance programs to North Carolina residents. Business name has the knowledge and experience to help you find exactly the right program for your business.
If you have questions about group insurance programs or would like one of the professionals to help you tailor a program for your business, please contact T. Stanley and Co., Inc. by phone or e-mail. There's no cost or obligation for this service. T. Stanley & Co., Inc. appreciates the opportunity to help you with your insurance needs.
T. Stanley & Co. Inc.
9709 Northeast Parkway Suite 200
Matthews, NC 28105
Phone: (704) 321-9491
E-mail:
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