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Group Health Insurance

Thriving businesses know the importance of providing health insurance to employees. By providing employees with a plan that meets their needs, it should be no surprise to learn how it can help reduce turnover while it keeps your staff healthy. Finding the right group health insurance coverage for your employees can be a daunting task unless you know who to talk to.

The Dowd Agencies will identify your very specific group needs and work on your behalf as an insurance broker, shopping highly-rated carriers and combining plans to build a package that works for your employees. Group health insurance plans usually offer managed care plans, such as Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), and Point-of Service (POS), or indemnity plans like a Fee-for-Service (FFS).

While one size does not fit all, you can be sure of a wide array of choices in group health plans including, medical, dental, vision, life, and short-term or long-term disability options.

Customer Service Is Always In Style
There is value in our customer service as we work in concert with you and preferred carriers to present the best options which will be prepared and managed for you. We are up to date on laws applicable insurance laws, we will obtain premium quotes from insurers, provide enrollment assistance, explain benefits to your employees, assist with any issues, and shop for options at the time of renewal to be sure the best options are available. We will remain alert and informed on Health Care Reform and convey how it affects your business.

Look to the Dowd Agencies for such services as administering Premium Only Plans (POP plans) that let employees pay any required premium contributions on a pre-tax basis. We will administer HSA, FSA and COBRA plans, and we will handle calculating, verifying, and adjusting payroll deductions as needed.

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