Group Health Insurance

Partnering with businesses of all sizes to provide the best group coverage solutions from the highest-reviewed carriers.

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Businesses Helped Each Year

Insurance Plans Offered

Year Founded

What is Group Coverage?

Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other kinds of groups that can get coverage) that covers all eligible employees and sometimes their dependents. Individual medical coverage, on the other hand, is a single policy issued to a single person or family.

A “small employer” is defined as a business with 2 to 50 full-time employees. Owners are generally counted as employees, so sole proprietorships with one employee usually fall into this category, as do partnerships without any employees (by definition partnerships have two or more partners). Some states define the self-employed as “groups of one” and require insurers to guarantee them coverage in the small group market.

Here at Illinois Health Agents, we will help you whether you are a small business with up to 50 employees, or a larger business with over 50 employees. We will make ourselves available to answer unlimited questions before, during, and after your enrollment.

Why Choose Us

Buying insurance for your small business (group coverage) has different rules than buying just for yourself or your family (individual coverage). We are a licensed, local and independent insurance agency offering a broad selection of carriers and plans, with no allegiance to insurance companies.

As your brokerage agency, we are committed to meeting and exceeding your expectations. Our services to your company will include, but are not limited to:

Educating employees on the Healthcare industry (why costs continue to increase), how to get the most benefit out of their health program, and managing employees’ expectations of what’s to come
Educating employees on how to get the most out of their health program
Employer Contribution Strategies
Processing center for new hire additions and terminations
Resolving billing discrepancies
On-going services and programs offered throughout the year including:
Annual Review Meeting
COBRA/Section 125 Administration
Employer/Employee Insurance Online Portal
Tax Saving Strategies including Section 125 Plan Administration

Get a Free Quote*

*You will be directed to the Independent Health Agents website (our parent company).

Fees

We’re free of charge for any employers with over 10 employees.

For smaller businesses, we do charge an annual $250.00 fee to make sure we’re able to offer you the best service and technology options year round, not just the busy season. We’ll waive it if you enroll 10 employees in the future, of course. We don’t charge for quotes and we won’t charge you till you have your ID cards in hand and your policies have been issued.

We promise we’ll save you at least $250 a year in savings, that’s for sure.

We’ll also waive our admin fees for certified non-profit organizations, because we’re as committed as you are to making this world a better place.

Manage Your Benefits Online

Are you tired of paper? Would you like an easier way to onboard employees? We have the solution.

We’ve partnered with Ease to bring you the industries best onboarding, enrollment and administration solution. With Ease you can:

Onboard new employees

Collect I-9, W-4 and Direct Deposit information.

Integrate with your Payroll Provider

Employee deductions are automatically updated with your payroll provider.

Track Time-Off

Accept and manage time off requests from employees. See when employees will be away in a calendar view.

Get support for ACA Reporting and more!

To learn more about managing your employees online download our “Why Enroll Online” overview today.