Group Health Insurance & Employee Benefits Solutions
A group health insurance plan helps you and your employees pay for the costs of healthcare. It doesn’t need to be complicated and is designed to be more cost effective for the business and employees. Reach out today to schedule an appointment to learn about your options.
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One of the most effective ways to retain and attract the best employee talent is to offer a competitive employee benefits package. Call PHB to learn more about offering a benefits package that meets employees' needs, is compliant, and remains affordable.
For years, Hercules Health Solutions has been providing insurance and employee benefits consulting services to the business community. Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.
Key Benefits of Group Health Insurance
Advantages
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Lower Costs: Group coverage is generally more affordable for employees.
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Pre-existing Conditions: Coverage is available for all employees regardless of their health status.
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Tax Benefits: Employers can often deduct costs, and employee contributions are often pre-tax.
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Attraction/Retention: Offering health benefits helps attract and retain staff.
Key Differences from Individual Plans
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Underwriting: Individual plans may consider health status, while group plans generally do not.
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Customization: Individual plans allow for tailoring to specific needs, while group plans are standardized.
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Portability: Individual plans go with you, while group plans generally end with employment.
We specialize in a wide variety of plans and lines of coverage, including:
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Insured and Self-Funded Health Plans
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Group Life Insurance
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AD&D
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Dental Plans
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Vision Plans
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Payroll Services
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Short and Long-Term Disability
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Voluntary Benefits
PROFESSIONAL SERVICES
Using advanced technology and consulting expertise, we provide a variety of value-added professional services to our clients. These services reduce customer costs, increase efficiency, and improve employee satisfaction – bringing your employee benefits programs to new heights in quality and performance.
CUSTOMER SERVICE
We pride ourselves on the level of knowledge and service we bring to our clients. Each client works with a single point of contact, making working with us seamless and easy.
STRATEGIC PLANNING
We will develop a customized strategic plan for you that defines your objectives and outlines the actions needed to fulfill those objectives. Our strategic planning services ensure an organized, complete approach to fulfilling your benefits needs.