Group Health Insurance

//Group Health Insurance
Group Health Insurance 2017-11-30T23:17:12+00:00

Group Health Insurance

Importance of Group Insurance Coverage for your businessWith the aid of an experienced broker like CAP Insurance Services, you will discover insurance solutions and personalized customer service that any company can enjoy. If you include your employees in the decision-making process, you may find that you can add considerable value to the positions that they hold.

CAP Insurance Services does not try to be all things to all people but are all things to some people. We want to insure that you are a fit so that we can do the job you, not only expect but that you want.  We enjoy established relationships with our carrier partners, and we know every plan out there. If you want the very best selection available for coverage, we give you exactly that, and we explain it in simple terms. We have access to all the plans in the marketplace!

We help you come to a firm decision on which approach to group health insurance is the best possible option for your company. When you also consider public and private markets, there are many strategies that we can help you explore. There are many factors to consider – ones that may not occur to you simply by sitting at a desk crunching numbers. We look at every possible scenario to guide you to the option that satisfies your and your employees’ goals.

First-Time Coverage

First Time Coverage for BusinessesIf you are just setting up your business, or if you are finally in a position to offer health benefits to your employees for the first time, you will face a number of new concerns that all businesses encounter. A significant concern that new businesses have is “How do I attract and retain employees?” Employee benefits are an efficient tax deductible way to accomplish this. If health insurance is not your area of expertise, you will do well to consult with CAP Insurance Services. We will help you plan for situations that you may not anticipate. And we go the extra mile to make sure that your new plan provides everything you need it to provide.

Our first step in this process is to talk with you about your goals and objectives. Every plan is different, and there is no sense in pursuing a plan that has features that you don’t favor. We also have the option of including your employees in this process. Very often, we find that employers are providing benefits to their employees to give them peace of mind, security, and contentment. To ensure this, we often find it important to include them in the process of selecting the plan. By talking to your employees directly or through your human resources office, we can create an accurate list of your employees’ goals for their health insurance coverage.

When selecting your plan, CAP Insurance Services accounts for all relevant details: the size of your company and its demographics, your employee qualifications, tax incentives, and of course, cost. Once all of your requests are taken into account, we present you with a handful of best options.

Once your plan is in place, CAP Insurance Services provides critical ongoing support. Most importantly, assist you in your responsibility to stay in compliance with local and federal business law and accounting regulations. We also keep you up to date on changing market conditions to help you anticipate opportunities for transitioning into a better plan. We assist you to determine what the right course is when it seems that change is what is in order. And when you need training in the use of internet or software applications to administer your health plan, we are there to provide the resources you need. Choosing CAP Insurance Services is not just helpful for finding you excellent coverage, we are a strategic partner for you moving forward.

Switching Coverage

Switching Coverage ProvidersIf you already have a plan in place, CAP Insurance Services can help you in a number of ways. Our first step in helping you involves a thorough analysis of your current plan, starting with a complete understanding your company’s goals for your plan. We also evaluate your current system to make sure that it abides by all federal, state, and local law. Whether or not you are in compliance, we will use your goals and objectives to present you with options that work for you while helping you stay compliant and avoid Department of Labor and IRS penalties.

To this end, it is critical to understand the importance of selecting a broker with our level of experience and skill. We work with all insurance carriers. We have the option of augmenting your plan with all kinds of extra coverage options, including life insurance, short-term disability, accidental death and dismemberment, dental, and vision. Not only are we familiar with the best available plans, we are familiar with every plan. If there is a significant area where we can save you money, we are going to find it.

After signing up all of your employees, we continue to support you in the administration of your plan. This includes a commitment to keeping you in compliance, and while monitoring markets to become aware of new plan options. When employees are hired, we assist you in enrolling them. When you need additional HR services (e.g. COBRA), we can connect you to the vendor that will provide those services for you. We provide these services because we know that you need them and that you have a goal of a good business that is successful and provides you the return you desire!

Compliance Review

Compliance Review for your businessSometimes an employer is satisfied with their current plan. However, observing the law may require an eye for detail and a knowledge of local, state, and federal regulations that the owner or manager doesn’t have. CAP Insurance Services keeps your business ahead of the game with respect to all current laws and accounting practices. If you hire us to perform a review, we will spell out all of these concerns for you in the simplest terms.

If you are not in compliance, don’t worry. Our job is simple: we give you options. If you need a new plan, we will find you one. If your need to modify your company’s business practices, we can offer solutions for you as well. After consulting with CAP Insurance Services, your HR Department will have all of the knowledge and resources it needs to administer your health plan. And when you need support or guidance, we are here for you.

CAP Insurance Services Covers All of your Team

The best insurance brokers give you the power and know how to help you run your own business. CAP Insurance Services is light years ahead of the competition, both in terms of our understanding of the plans available to you and your team, and with respect to our customer service. If there is a service you need that we cannot provide, we will have access to a vendor that can provide it at the highest level.

We have these relationships with other companies because we have taken the time necessary to forge them. To provide you with the best possible health insurance, we rely on timely information and a healthy rapport with every carrier out there. Such commitment to excellence is rare in our business. And we are confident that when you sit down with us for a free consultation, you will come away with a clear understanding of how we will add value to your business. Your employees are valuable to you, and you want to make sure that they are happy working for you. Let’s work together to make sure that they are, for now, and for the future.

What Our Clients Say

“We researched to find out if the coverage that Craig at CAP Insurance Services was quoting us was competitive. As indicated, we found many term policies but none with the benefits for the price that CAP Insurance Services provided. Craig took us through the process of determining our needs and we feel that we have the protection that we need should anything happen. Thank you Craig for all you did.”

– Mr. and Mrs. Gary T, Chino Hills, CA

CAP Insurance Services testimonial

Vendor Resources for CAP Insurance Services

Vendor Resources

A Customized Insurance Plan catered to your Business Needs.

No two companies have the same work force. CAP Insurance Services meets the needs of each business that needs coverage for their employees. We take great pride in providing a custom tailored solution for each of our clients. We take time to ask all the right questions, because we know that the right plan can save you a lot of money and provide you excellent health coverage.

Service of this quality requires extensive experience and astute knowledge of the industry and its many health care plans. Our happiest clients are the ones who trust us to do what they cannot, or don’t have the time for – mastering the healthcare industry. Let us put our extensive knowledge base to work for you, so that you can attain the security and peace of mind needed to enjoy life and face its many challenges.