Best Group Insurance for Small Business

Friday, May 20, 2022 12:40 Posted by Admin

Taylor Benefits Insurance Agency is a small business group health insurance provider, independently owned and operated insurance brokerage firm that specializes in writing employee benefit programs and has been in operation since 1987. Health, dental, vision, life, disability, optional, and 401K policies are all included. Our workplace is in San Jose, and we work with organizations across the country on group benefit plans. Employee benefit plan broker and consultant Todd Taylor is the company’s founder and president. He has been working with businesses for over 25 years. in the Bay Area, the Central Valley, and California. If your firm considers providing group health insurance and other employee benefit plans to its employees, he has the experience and skills you need.

  • For health insurance & all other employee schemes, we have access to every competitive carrier in the market.
  • Each year at renewal, we carefully shop our clients’ benefits plans to ensure that their current carriers retain a competitive position in the market.
  • Our office administers all of your benefit plans throughout the year, so you never have to deal with them.
  • Our agency offers complimentary Cobra administration through a third-party administrator if your organization requires it.
  • Our clients can use an integrated online HR management solution for free. Many of our clients use this resource to help them manage their human resources and benefits plans. The system compiles a list of your company’s employee benefit schemes.
  • Our firm keeps you informed about compliance difficulties and the implementation of new healthcare reform regulations.
  • Our clients are treated like family, and our office strives to provide the finest value and service possible.

Blue Cross Shield

Blue Cross Shield is a nationwide health insurance firm that provides individual, family, and business health policies. It is one of the most important health insurance companies in the United States.

The PPO, or Preferred Provider Organization, is the most popular Blue Cross Shield group health insurance plan. You can see any doctor that takes Blue Cross Shield, but you’ll pay less if you go to one of their network doctors.

The HMO, or Health Maintenance Organization, is another Blue Cross Shield plan. With an HMO, you must see doctors who are part of the HMO network and seeing a specialist will almost certainly require a referral from your primary care physician.


One of the most high deductible health plans of Blue Cross Blue Shield is its nationwide network of doctors and hospitals. You’re likely to find a Blue Cross Blue Shield doctor or hospital nearby, no matter where you live or travel.

Another advantage of Blue Cross Blue Shield is that it offers several plans to choose from, allowing you to find the one that best suits your needs. If you have a family, for example, you might prefer a plan with low deductibles and copays so you don’t have to pay as much out of pocket when you need medical care.

Finally, Blue Cross Blue Shield is regarded for providing excellent customer service. Customer support representatives are ready to assist you if you have questions about your coverage or need assistance selecting a doctor.


One of Blue Cross Blue Shield’s major disadvantages is that it can be more expensive than other health insurers. Because Blue Cross Blue Shield is a nonprofit organization, it is not required to compete on price with for-profit organizations.

Another disadvantage is that it does not provide all types of insurance. It does not, for example, sell life or long-term care insurance.

Finally, Blue Cross Blue Shield has a smaller network of doctors and hospitals compared to other health insurers. This means that finding a doctor that takes Blue Cross Blue Shield may take longer.


UnitedHealthcare is one of the country’s largest small business health insurance providers. It provides people, families, and corporations with a comprehensive range of health insurance products and services. UnitedHealthcare offers a nationwide network of over 1.3 million doctors and hospitals.

Small business Health insurance plans

  • Health insurance policies offered by UnitedHealthcare include:
  • Health insurance for individuals and families
  • Plans for group health insurance
  • Advantage plans for Medicare
  • Prescription Drug Plans under Medicare
  • Medicaid plans
  • Children’s Health Insurance Program of the State (SCHIP)
  • Services for mental health and substance abuse
  • Dental e plans
  • Vision plans
  • Plans for life and disability insurance


  • UnitedHealthcare offers the following advantages:
  • A broad network of doctors and hospitals is available to you.
  • There are several different health insurance policies to choose from.
  • A wide range of services is covered in detail.
  • Premiums and co-payments that are affordable
  • Accounts for flexible spending


  • The following are some of the disadvantages of UnitedHealthcare insurance:
  • Deductibles may be high in some plans.
  • Certain services may be excluded from some plans.
  • Some insurance policies have a lifetime limit.


Humana is a large health insurance firm that provides a wide range of health insurance options, including workplace health benefits insurance. Small businesses and their employees can benefit from group health insurance, which helps shield them from the high costs of medical treatment. Humana offers a variety of corporate health insurance plans from which to choose, depending on your company’s needs.

One of Humana’s best features is that they provide a wide range of services and tools to assist small businesses. They have a Business Solutions Center online tool that will assist you in finding the best health insurance plan for your company. The Business Solutions Center contains a lot of information on group health insurance plans to make an educated decision about which plan is best for your company.

Humana also offers many groups health insurance plan reductions. If you join up for a Humana health insurance plan, for example, you may be eligible for a premium discount. Humana also provides discounts to small firms that offer health insurance to their workers.

Humana health insurance providers are an excellent option for looking for a respectable and trustworthy health insurance company. They provide a choice of programs and services to small businesses, allowing you to select the best option for your company. Furthermore, Humana offers group health insurance discounts to help you save money on your premiums.


  • Humana has a number of insurance plans that can be customized to meet the needs of small companies. Humana insurance has a number of advantages, including:
  • An extensive network of doctors and hospitals from which to select
  • Competitive pricing
  • Options for flexible plans
  • Customizable protection
  • Online resources and tools
  • There is customer service available. 7 days a week, 24 hours a day


One disadvantage of Humana insurance is that it can be quite costly. Furthermore, some customers have complained that customer care is not always as quick as they would want. Finally, some consumers have complained about the claims process, claiming that it is difficult for them to get their claims validated. Despite these flaws, many people believe Humana provides good value for money and is a responsible insurer.


Aetna is one of the country’s largest health insurance firms. It provides a wide range of health insurance alternatives, including group and individual plans. Dental, vision, and life insurance are all available through Aetna.

Aetna’s individual health insurance plans are for people who do not have access to group health insurance through their employment. Medical bills, prescription medicines, health savings accounts, and preventive care are all covered under these policies. Individual health insurance plans from Aetna are available in various tiers for small business owners, including Bronze, Silver, Gold, and Platinum.

Aetna’s dental health insurance plans are meant to cover the costs of standard dental care, including cleanings and x-rays. Major dental procedures such as crowns and bridges are also covered under these policies. For a small company owner, Aetna’s dental plans come in various categories, including Basic, Preferred, and Premier.

Life insurance from Aetna is meant to safeguard your loved ones financially in the event of your death. These group health plans provide coverage for a set number of years, such as 10, 20, or 30. Life insurance from Aetna is available in a variety of forms, including Term, Whole Life, and Universal Life.


Aetna insurance has various advantages, including:

  • Because Aetna is one of the major insurers in the United States, you can choose from various providers and plans.
  • Aetna offers a number of plan options, allowing you to customize your coverage to match your individual requirements.
  • Aetna plans include a variety of features and benefits, like preventive care, prescription drug coverage, and more.
  • Aetna has a number of discounts and incentives available to help you save money on your premiums and out-of-pocket expenses.
  • Aetna provides health insurance which is an excellent option to explore if you seek comprehensive and cheap coverage.


One of the drawbacks of Aetna insurance is that it can be costly. This is especially true if you need to buy insurance for your entire family. Furthermore, Aetna does not provide as much coverage as some of the other insurance providers. They may not cover preventative care or mental health services, for example.

Kaiser Permanente

The Kaiser Permanente Corporation offers Kaiser Permanente insurance, which is a sort of health insurance. The business is active in eight states and the District of Columbia. It is one of the major managed care companies in the country.


  • Individual and family Kaiser Permanente insurance options are available. The programs provide a variety of advantages, including:
  • Kaiser Permanente’s network of doctors and hospitals is available to you.
  • Preventive treatment and screenings are covered.
  • Prescription medications are covered.


  • Some disadvantages to Kaiser Permanente insurance policies include:
  • Premiums are higher than for certain other health insurance plans.
  • The Kaiser Permanente network may not include all doctors and hospitals.
  • Outside of the Kaiser Permanente network, coverage may be limited.


Cigna is one of the country’s largest health insurance companies. Individuals, families, and organizations can choose from a selection of health insurance plans offered by the corporation. Cigna offers some foreign plans for those who need coverage while traveling or living abroad.


Cigna provides its subscribers with various advantages, including access to a network of doctors and hospitals, prescription drug coverage, and savings on health and wellness products and services. The business also offers a variety of programs that may be tailored to match the specific demands of any person or family.


Cigna does have some disadvantages, such as being a for-profit corporation. This indicates that the company’s principal purpose is to make money rather than give the best possible coverage to its customers. Cigna’s premiums are also frequently higher than those of other health insurance companies.

Cigna may be a suitable option for you if you seek a health insurance plan with extensive coverage and a large range of features. If you’re concerned about the company’s business motive, you should look for another provider.

Is insurance a reliable step?

One of the most reliable things a small business can take to safeguard its employees is to purchase group insurance. Group insurance protects a group of firms from the unexpected expenditures connected with accidents, injuries, and illnesses by pooling their resources.

Furthermore, by providing an attractive benefits package, group insurance can assist businesses in attracting and retaining talented personnel.

There are other sorts of group insurance, but health insurance is the most popular. By purchasing health insurance, employees can be protected from the high costs of medical treatment, prescription medicines, and other health-related expenses.

Employees might be financially protected by group life insurance in the case of death or dismemberment. Employees might also benefit from disability insurance if they cannot work due to an injury or illness.

What is the benefit of a group health insurance plan?

A group health insurance plan is a cost-effective solution to give health coverage to your employees.

Group health insurance policies are typically less expensive than individual health insurance plans, and they provide a more comprehensive set of benefits and coverage options.

Furthermore, group health insurance policies typically provide more flexibility than individual health insurance plans, which can substantially benefit small firms.

Is it essential to hire a high deductible health plans company?

It is critical to understand the many different types of plans available if you are looking for one of the finest group health plans insurance for small businesses.

A high-deductible health plan (HDHP) may be the best alternative for your employer. This plan has low monthly rates and high deductibles, which can save your business money over time.

Significant-deductible health plans (HDHPs) are designed to protect your employer from high medical bills. If you have many employees, you must have a strategy in place to protect them in the event of an accident or illness. This type of strategy might also help your business save money on taxes.

It is critical to browse around and evaluate different plans if you look for the finest group insurance for small businesses.

Because there are so many businesses that provide health insurance, you should examine their pricing and benefits before deciding. You can also compare quotations from other firms to find who has the best rates.

How can I know if it is trustworthy or not?

There are a few key determinants that might assist you in determining whether or not an insurance provider is reliable.

Check with the Better Business Bureau to verify if the company is accredited (BBB). The company has met BBB standards for ethical business practices, according to its accreditation.

The financial stability of an insurance firm is another measure of its reliability. The financial stability of an insurance firm can be determined by looking at its rating. These scores indicate how likely the insurer is to pay claims.

You should also check if the insurance company you’re contemplating is authorized to operate in your state. Each state has its own regulations for insurance firms, so check sure the company you’re considering meets them.

Finally, before purchasing any sort of insurance, it is usually a good idea to read consumer reviews. Customer reviews can reveal information about a company’s claims process, customer service, and general satisfaction. When shopping for group insurance for your small business, keep all of these aspects to guarantee that you’re working with a reputable and trustworthy organization.

When it comes to group insurance for your small business, it’s critical to do your homework to ensure you’re buying a policy from a known and reliable firm. You can ensure that you get the finest coverage for your needs by following these tips.

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.

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