Group ProductsProviding area businesses and individuals with comprehensive, cost-effective and value-added health benefits with packaged solutions

As a business owner, you want to attract and retain your most important asset, the employees. In recent years, more employees are inquiring about the company’s benefits package, with health coverage usually being at the top of the list. With Harbour Health Insurance Solutions, we will help you design a benefits package that best suits your business and your employees. Our agents have the knowledge and expertise to help you decide which plan best suits your business and we will assist you with this process at NO additional cost for our services.

GROUP HEALTH PLANS
Major Medical Group Health Plans are available in South Carolina for any business that has 2 or more full-time employees. With a group health plan, the employer is required pay at least 50% of the employee-only premium, which makes it a much better option for many employees who are covered by individual plans. Also, group plans generally have a larger provider network when compared to individual plans. As the employer, you are allowed to offer multiple plan designs from which each employee can choose. Some employees may want to pay a higher premium for richer benefits, while others may prefer to pay lower premiums with less coverage. You also have the option to offer traditional plans that have copay benefits for doctor office and prescriptions, and you can offer a health plan that is compatible with a Health Savings Account (HSA). Our agents have the knowledge and expertise to help you decide which plan best suits your business and we will assist you with this process at NO additional cost for our services.

GROUP DENTAL
Group dental and vision plans are available on either an employer-paid or employee-paid basis. Benefit structures are pretty similar among the carriers. Dental plans typically cover as follows: 100% Preventive Services, 80% Basic Services, 50% Major Services. They generally cover at these percentages up to the plan’s annual maximum (usually around $1500).

DISABILITY INSURANCE
Disability insurance provides a source of income to people who are unable to work due to an accident or illness. Individuals can purchase either Short-term Disability (STD) or Long-term Disability (LTD). STD benefits begin sooner (usually 7 days) and end sooner (usually 6 months). On the other hand, LTD plans being later (usually 6 months) and last until retirement age). Often times, both STD and LTD can be blended together to optimize coverage. Disability benefits usually pay 60% of the individual’s income.

GROUP LIFE
Group Life insurance through the workplace can be provided on an employer-paid or employee-paid basis, or both. The employer can provide life insurance to employees up to a certain face amount, and the employees can have the option to purchase additional life insurance at their own cost. Generally, group life insurance is less expensive and has more lenient underwriting, which allows many individuals to get coverage if they have a medical condition that would usually deny them coverage.

Frequently Asked Questions

Do I pay for your services?

No. We do not charge extra fees for our services. Whether you go through an agent to obtain health coverage or you go directly to the insurance company or marketplace, you will pay the same monthly premium for the same policy.


What is the benefit of meeting with an insurance broker?

Health insurance coverage is a complex product. It is important to know the options available to you so you can make an informed decision. We help you navigate through those options so you can choose the right one for you.


What do I do if I have lost my employer-sponsored health coverage?

You may have an option to keep your coverage through State continuation or COBRA, depending on the size of your company. You also have a qualifying event to make you eligible for a special enrollment period to purchase individual coverage (Affordable Care Act) outside the Open Enrollment Period. You have 60 days from when your employer coverage expires to obtain coverage thru the Affordable Care Act. We will help you research the options so that you make the right choice.


What if I can't afford it?

Under the Affordable Care Act, if your household income is within certain limits, then you may be eligible for a subsidy which can significantly lower your monthly premium. We will help you determine if you are eligible for subsidy.

I missed the Open Enrollment Period. Can I still get health coverage?

If you did not enroll into a health plan during the Nov 1 – Dec 15 Open Enrollment, you can only enroll into ACA coverage if you have a Special Enrollment Period. You are eligible for a Special Enrollment if you have a Qualifying Event, such as Loss of Employer Coverage or Medicaid, Relocation, Birth of Child, Marriage/Divorce. You must enroll within 60 Days of the Qualifying Event. If you have not had a Qualifying Event, then you can enroll into a Short Term Medical Plan which will provide coverage until the next Open Enrollment Period.


What are my coverage choices under Medicare?

Option 1: Original Medicare includes Part A (Hospital/Inpatient) and Part B (Outpatient/Physician/Diagnostics). You will want to purchase a Supplement Plan (Medigap) to “fill the gaps” in Parts A and B, such as deductibles, coinsurance, etc. You will also need a separate Medicare Drug Plan (Part D). Medicare Supplement combined with a Drug Plan usually provides you with the best coverage and gives you the freedom to see any provider that accepts Medicare. Option 1: Medicare Advantage (Part C). This is an “all in one” alternative to Original Medicare, which includes your medical coverage and drug coverage. However, you may be subject to more out-of-pocket costs for services and you will most likely need to use in-network doctors/providers.