Products:
Group Insurance
Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance. Group insurance is generally the least expensive kind. In many cases, the employer pays part or all of the cost.
Some employers offer only one health insurance plan. Some offer a choice of plans: a health maintenance organization (HMO), or a preferred provider organization (PPO), for example. Offering health insurance through your company is an excellent way to keep talented employees as well attract new ones. Employers who offer a package of benefits including health insurance with multiple options, dental insurance, vision insurance and other lines of coverage lead the way in securing talented and content employees
Our goal at Hall Insurance Services is to be your resource for your employee benefits. We offer a variety of services, including open enrollment, on-site as well as on-line enrollment capabilities, benefit education for your employees, claims assistance, ACA compliance, and much more. We want to be your main contact for you and your employees so that you can focus on other aspects of growing your business.
Health Insurance
Health Insurance is the most common benefit offered by an employer-sponsored plan. It typically is the insurance benefit most employees are interested in, but it is also can be the most expensive insurance benefit for both the employer and the employee. Employer-sponsored health insurance coverage is an opportunity for both the employer and the employee to share in the costs of the coverage. Carriers typically offer a variety of coverage options to allow choices to be made with regard to benefits and costs.
Dental Insurance
Dental Insurance is a common benefit for an employer-sponsored plans. This benefit istypically offered on a Voluntary Basis, meaning the employee pays for the entire costs of the coverage. But because it is offered by your employer, typically the costs are lower and the benefits are more attractive compared to plans offered on the individual market. Dental plans can include coverage for preventive, basic, and major services at varying benefit levels. Plans can also include orthodontia coverage. Some carriers will offer dual options, allowing an employer to provide you with choices which best fit your coverage and financial needs.
Vision Insurance
Vision Insurance is a common benefit for an employer-sponsored plan. This benefit is typically offered on a Voluntary Basis, meaning the employee pays for the entire costs of the coverage. But because it is offered by your employer, typically the costs are lower and the benefits are more attractive compared to plans offer on the individual market. Vision plans can include coverage for eye exams, lenses, frames, and contact lenses. Some plans may offer discounts on other products and services when using in-network providers.
Voluntary Life Insurance
Voluntary Life Insurance is a common benefit for an employer-sponsored plan. This benefit is typically offered on a Voluntary Basis, meaning the employee pays for the entire costs of the coverage It allows an employee the opportunity to purchase life insurance with a guaranteed issue amount, which means there are no health questions required to be answered nor is there a medical exam required to obtain coverage upon initial enrollment. Many plans will allow additional coverage to be obtained through answering health questions and submitting an Evidence of Insurability form as required by the specific carrier.
Short Term Disability Insurance
Short Term Disability is a common benefit for an employer-sponsored plan. This benefit is typically offered on a Voluntary Basis, meaning the employee pays for the entire costs of the coverage. Short Term Disability coverage is income protection for you should you become disabled due to sickness or injury and are unable to work due to the disability. There is typically a short elimination period before the benefit starts, and depending on the outline of coverage, you could receive benefits for several weeks or several months.
Long Term Disability Insurance
Long Term Disability is a common benefit for an employer-sponsored plan. This benefitis typically offered on a Voluntary Basis, meaning the employee pays for the entire costs of thecoverage. Long Term Disability coverage is income protection for you should you become disabled due to sickness or injury and are unable to work due to the disability. Long Term Disability typically has an elimination period of at least three months and could be six months or more. Depending on the outline of coverage, you could receive benefits for a number of years and possibly to retirement age.
Ancillary Products
There are a number of ancillary products which can be offered by an employer-sponsored plan. These benefits are typically offered on a Voluntary Basis, meaning the employee pays for the entire costs of the coverage These products are re-imbursement type, meaning any benefits paid come directly to you to help with paying expenses to compliment your health insurance coverage. Typical policy types are Accident, Cancer, Critical Illness, andHospital Confinement. These policies pay a variety of benefits, some including a lump sum payment, depending on the outline of coverage.
