Employer Group Health Plans: Customized Coverage for Your Business
Providing the right health benefits for your employees is essential to attracting and retaining top talent. Whether you’re a small business looking for cost-effective coverage or a larger company seeking comprehensive group health solutions, we help you navigate the best options available.
At Clear Benefits Advisors, we offer expert guidance to ensure your NY business gets the right coverage at the right price. Whether you’re exploring traditional group plans, state-sponsored options, Medicare coverage for employees over 65, or additional benefits like dental and vision, we make the process simple and stress-free.
Not sure which plan is best for your business? Schedule a Free Consultation today.
Group Medical Plans
Choosing the right employer-sponsored health plan can be challenging. We help businesses compare fully insured options to find the best balance of coverage and cost.
We offer:
- Small and large group health plans, including PPO, HMO, and EPO options.
- Fully insured plans with fixed monthly premiums for predictable costs.
- Custom plan designs tailored to fit your workforce’s needs.
- Consultation on what plans would work best for your company’s budget and employees’ expectations.
Explore Group Health Plan Options
HealthyNY: Affordable Health Insurance for Small Businesses
HealthyNY is a state-sponsored program designed to help New York small businesses provide affordable health coverage for employees. If your business meets eligibility requirements, you may qualify for lower premiums without sacrificing essential benefits.
We can help you determine if HealthyNY is a good fit for your company and assist with enrollment.
Group Medicare for Employees Over 65 & Retirees
If you have employees or retirees aged 65 and older, a Group Medicare plan can offer lower premiums and richer benefits compared to traditional group health insurance.
We specialize in:
- Medicare Advantage company group plans that bundle medical, hospital, and often prescription drug coverage.
- Medicare Supplement group plans that fill gaps in Original Medicare.
- Part D prescription drug coverage for businesses that want to include pharmacy benefits.
Many employers find that transitioning eligible employees over 65 to a Medicare-based group plan can result in cost savings and enhanced benefits for both the employee and the company.
Find Out More About Group Medicare
Dental & Vision Insurance for Employees
Offering dental and vision coverage is an affordable way to enhance your employee benefits package. Employees value preventative care for their health, and adding these benefits can improve satisfaction and retention.
We help businesses:
- Offer voluntary or employer-paid coverage options.
- Find plans with strong provider networks and affordable costs.
FAQ: Transitioning Employees to Medicare
Can employees over 65 stay on our employer-sponsored health plan?
Maybe…
Yes, if you have more than 20 employees and the company offered plan is considered Creditable Coverage. However, businesses choose to transition eligible employees to Medicare-based group plans because they often offer lower monthly premiums, richer benefits, and no employer mandate penalties for Medicare-eligible employees.
No, if you have less than 20 employees and/or company’s health plan is not Creditable.
Are employers required to provide health insurance to employees over 65?
Employers with 50 or more employees must offer affordable health insurance, but this mandate does not apply to employees over 65 if they have access to Medicare. Employees cannot be forced to enroll in Medicare, but voluntarily switching can lower costs. In addition, some insurance companies will require employees to enroll in Part A and B to offset their costs and have Medicare be the first payer before the employer health insurance policy.
What are the benefits of transitioning employees over 65 to Medicare?
Many employers save on healthcare costs while maintaining high-quality benefits. Employees often have lower out-of-pocket costs, better provider access, and more flexible plan choices, including coverage for prescriptions, vision, dental and additional benefits such as gym memberships and Over-The-Counter (OTC) allowances.
Read the Full FAQ: Transitioning Employees to Medicare
Get Expert Help Choosing the Right Employer Plan
Finding the right group health plan for your business shouldn’t be complicated. Let us simplify the process and help you find the best coverage for your employees.
