Employee Group Information
Why choose Group Coverage?
There are multiple reasons your employer coverage SHOULD be better than Healthcare gov
✅Tax Benefits
✅Employer pays a portion
✅Lower Max Out of Pocket options
✅Health Savings Account (HSA)
✅Options to help pay medical bills
Let me help you and your coworkers
Free current plan evaluation!
Confirm you have the most benefits while saving money!
Use the link at the bottom to get on my calendar
Traditional Group Health
Has been offered for YEARS
What most group health coverage is
More expensive
80% of healthy groups pay more than their fair share
to support the 20% less healthy groups
(Level funded changes that!)
Your employer pays at least 50% of the cost
Are your coworkers healthy?
Savings are Available!
Pass underwriting (answering a few health questions)
More affordable coverage
Normally 10-30% less expensive!
Same coverage as Traditional Group Health Coverage
But is a separate group because you are healthy!
Assistance paying medical bills!
You have health insurance.
But health insurance does not cover everything.
When you incur your deductible or maximum out-of-pocket — this coverage pays directly to the medical provider.
Pays remaining medical balance in whole or in part directly to the provider
Voluntary Benefits
The extras!
Dental and Vision
Life Insurance (even with health issues)
Disability Coverage (on or off the job)
Accident Coverage
Cancer/Heart Attack/Stroke
Legal Services
Wellness Plan
Savings are Available!
Most employees never see this benefit working — because it works before your paycheck is calculated.
A properly structured wellness plan reduces your taxable income through Section 125.
That means less taken out.
More left in your check.
No extra work required on your part.
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 07/23/2026
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