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Small Group
How Can We Help Small Businesses
Small Group Insurance Plans
Small group insurance plans are health coverage options designed for businesses with a limited number of employees, typically between 2 and 50. They allow employers to offer affordable, comprehensive benefits while sharing premium costs with employees, helping attract and retain talent. Many plans also provide access to network discounts, preventive care, and tax advantages for qualifying businesses.
Ancillary Benefits
Ancillary benefits, such as dental and vision insurance, are available as voluntary or involuntary benefits and covers employees, sometimes at little to no cost for the employer. These plans help employees manage routine healthcare expenses while gaining access to negotiated network discounts and preventive services. Offering voluntary benefits can enhance a company’s overall benefits package and improve employee satisfaction without significantly increasing employer costs.
PEO Platforms
PEO platforms (Professional Employer Organizations) help businesses streamline HR, payroll, benefits, and compliance by acting as a co-employer for administrative purposes. By pooling employees across many companies, PEOs can often secure more competitive benefits pricing and reduce administrative burden for small and mid-sized businesses. This allows business owners to focus more on growth while ensuring their workforce is supported with professional HR infrastructure.
I can help. I’ll guide you through the confusing path of Medicare, so you get the benefits you deserve.
Frequently Asked Questions
Do employers have to pay for ancillary benefits like dental and vision?
Not necessarily. Ancillary benefits can be both voluntary and involuntary. Employers can choose to contribute if they want to enhance their benefits package.
Is joining a PEO the same as outsourcing your employees?
No. You still control hiring, firing, and daily management — the PEO simply handles administrative HR functions and compliance support.
Are small group plans required by law?
Employers are generally not required to offer coverage unless they meet large employer thresholds, but offering benefits can improve recruitment, retention, and tax advantages.
Contact
Need more assistance?
Please contact Richard (Ric) Mora
CA Insurance License # 0B89517
[email protected]
(760) 678-8950
