Health benefits built around your team.

What is group health insurance?

An employer sponsors a health plan for eligible employees and, when offered, their dependents. Contributions, eligibility rules and covered services depend on the selected plan. Benefits Direct helps you compare the options available to your business.

Compare more than the monthly premium

Review deductibles, out-of-pocket limits, provider networks, prescription coverage and the employer contribution together. Consider where employees live and receive care, and which benefits matter to them. A lower premium alone does not tell you the total cost of a plan.

Build a complete benefits package

Dental, vision, life, disability and supplemental benefits can complement a group health plan. Individual dental and vision shopping is available through our separate quote link; employer-sponsored benefits require a conversation about your team.

Group coverage or ICHRA / CHOICE ARRANGEMENT?

A traditional group plan and an Individual Coverage Health Reimbursement Arrangement use different approaches. We can help compare a group plan with an employer-funded individual coverage allowance, including employee needs, administration and affordability considerations.

Common questions

What information helps start a business benefits conversation?

Have your employee count, general locations, current benefits and budget goals ready. Ask us for an approved secure channel before sending employee personal information or sensitive documents.

Can employees keep their doctors?

That depends on the network in the specific plan. Check each provider and facility with the insurer before selecting coverage.