Group Benefits
What is Group Coverage?
Group Coverage =
Employer-Sponsored Healthcare
Often better than Marketplace coverage —
but not always
More options exist than most groups realize, including Level Funded plans (see below)
Gap plans can help cover out-of-pocket costs (hospital stays, surgery, ER visits)
Wellness plans can reduce taxable income and slow down annual renweal increase
Most healthy groups on fully insured plans are overpaying!
How to Reduce Waste
"Level funded plans are growing fast —
37% of small firm workers are now enrolled in one, up from just 6% in 2018."
(Source: KFF 2025 Employer Health Benefits Survey)
Historically employers offered group health insurance, not group benefits
We are in a different world today!
Use the link at the bottom of the page to schedule 15 minutes to learn more (not be sold)
A good agent will use multiple products to reduce risk and costs!
Wellness Plan
Group Health Insurance
Medical Balance Protection™
Voluntary Benefits
Get a review from an Independent Licensed Agent who represents mutliple product lines - link below
Employers Click Here
Employees Click Here
I am here to help navigate you to the proper coverage for your needs!
COMPANY
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
Not all products are available in all states
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 04/10/2026
© Copyright 2026. AgentDavidCares.com. All Rights Reserved.