Professional Insurance Services, Inc.


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Employer Group Health Insurance

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Why should an employer offer health insurance to their employees?
  • Employers offer employees health insurance to their employees in order to keep them loyal to the company.
  • Premiums paid by an employer to provide their employees with health insurance are tax deductible to the employer.
  • Employee health insurance is not treated as taxable income to the employee by the IRS. As a result, the employer can provide employees health insurance benefits, to keep them loyal, and the benefit is not treated as taxable income to the employee, unlike a raise in pay or a salary increase. In addition, no employer social security taxes are required as it would be for a pay raise.
  • Unlike individual major medical health insurance or temporary major medical health insurance, group employees cannot be singled out for exclusions, rate ups or declinations of pre-existing health conditions. No discrimination of employees is allowed under an employer group health insurance plan.
  • Employer groups can also qualify for High Deductible Health Plans (HDHP's) just as individuals and families can and they can also us an HSA option to establish a qualified Health Savings Account.

If you are a business owner and are in need of major medical health insurance for your employees, we represent the companies listed above.

For a quote, call our office or fax us a census of your employees, using the forms below, to 1-864-848-3217.

Census Form 1 (employees 1-25)

Census Form 2 (employees 26-50)