Augusta Group Health Insurance & Employee Benefit Plans

Augusta group health insurance plans

Augusta GA Large Group Health Insurance Plans

Large companies are traditionally more likely than smaller businesses to offer health insurance for their workforce. This situation predates the Affordable Care Act, which established a mandate for companies with fifty or more workers. Big firms also are more likely to offer workers a choice between plans and to defray some of the costs. The ACA’s affordability standard limits subscribers’ share of the premium to 9.61 percent of their income. However, if one plan complies, the worker can choose a different one with a higher premium cost.

Overall, subscribers still prefer PPO plans over HMO networks, even if the PPO costs more. Many workers say the reason is that the HMO doesn’t include their preferred provider, or they do not want the hassle of seeking authorization from a primary care physician before seeing a specialist. In addition, although a PPO subscriber may need to pay more for services outside their network, they have the option. In contrast, an HMO patient may not be able to access any out-of-network care unless it’s an emergency.

Augusta GA Small Business Health Insurance Plans

SHOP (Small Business Health Options Program) is the marketplace for small businesses that the ACA created to offer smaller companies resources to help them offer health insurance to their workers. Companies can research the plans available and get information about tax credits. Taylor Benefits Insurance can help your company find the best options. Small companies must meet these criteria to be eligible for the tax credit:

  • Employ fewer than 25 employees (not counting seasonal workers)
  • Pay salaries that average $50,000 or less
  • Subsidize at least half of the premium for each employee
  • Offer a qualified plan

Augusta GA Employee Benefit Plans and Employee Benefit Packages

Health insurance and paid time off from work are among the most wanted employee benefits. Although small companies may not always offer health insurance coverage, most businesses allow some paid time off for full-time workers. Sick leave is standard (even though not required in Georgia), and larger companies may offer paid vacation time.

Georgia companies must provide workers’ compensation coverage for their employees to cover job-related injuries. But if an employee is injured off the job, they need disability coverage. Some employers pay for short-term coverage and offer their employees long-term coverage at their expense. That places long-term disability insurance in the category of “voluntary” benefits that employees may sometimes buy at a discount through their employer but without a subsidy. Other voluntary benefits include life, pet, long-term care, and legal plans.

The city of Augusta, Georgia presents many opportunities for businesses and job hunters alike. It is particularly known as being a center for manufacturing, medicine and military. Competition for top professionals is stiff even as job hunters seek to identify employers who have the best culture. Among the things that set employers apart and that top candidates are interested in is, health insurance and employee benefits.

Group Health Insurance and Employee Benefits

Employee benefits seem to be on a decline in the city of Augusta with many employers cancelling employee benefit programs citing the increase in the cost of group health insurance coverage. Still, offering your employees a benefits package comes with multiple advantages. Some of these include being able to retain quality employees, increasing productivity and gaining tax credits. You just need to ensure that you find the right benefits package that addresses both your needs and the needs of your employees.

Dial 800-903-6066 and get free consultation on Augusta Group Health Insurance & Employee Benefit Plans

Who We Are

Taylor Benefits is an established group health insurance and employee benefits provider operating in the city of Augusta. We have three decades of experience crafting top-notch health insurance and employee benefits plans. We are committed to offering unmatched services that will give you an edge over your competitors. Our licensed and experienced insurance agents will take you through the process of finding a suitable benefits plan that will work for you. In addition, we ensure that your plan meets the standards of the Affordable Care Act (ACA) to help your business earn tax breaks.

Augusta group health benefits and employee insurance plans

Insurance Products by Taylor Benefits

Our range of group health insurance and employee benefits plans include the following:

  • Group health insurance
  • Employee benefits
  • Dental insurance
  • Vision insurance
  • Medical insurance
  • Tax advantages health accounts
  • Health Maintenance Organizations (HMO)
  • Preferred Provider Organizations (PPO)
  • Workers compensation
  • Pension plans
  • Retirement plans
  • 401 (k) savings plans
  • Indemnity and managed care plans
  • Long-term disability insurance
  • Short-term disability insurance
  • Long-term care
  • Group life insurance
  • Annual audits of your plan

Are you looking for a Augusta Group Health Insurance & Employee Benefit Plans? Click the quote button to get an instant quote.

Why Taylor Benefits

We are an independent insurance agent therefore, you can be sure that we will give you unbiased advise. We are committed to helping you keep your most valued workers happier and healthier. Our custom plans are unique and competitive as we work with the top insurance carriers in Augusta. We also offer you a HR management tool that will help your employees become familiar with the plan before educating others. We endeavor to carry out a market analysis at the end of the period of your term to ensure that your carrier still retains a competitive position in the market.

Contact Us

Let us help you get the right group health insurance and benefits plan that will see your business begin to attract and keep quality staff in Augusta. Call us today on 800-903-6066 and our insurance agents will begin discussing options. We can even provide you with a free proposal.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

We’re ready to help! Call today: 800-903-6066