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Employee Benefits Services

Allow us to guide you to a better employee experience at the most competitive cost in the market.

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At GCG Benefits, we specialize in offering customized solutions that streamline intricate benefits, ensuring a seamless and cost-effective experience for your organization.

With over 60 years of combined expertise, our dedicated team is committed to providing guidance that enhances employee experiences while maintaining competitive costs.

Investing in a robust benefits package can differentiate your business from competitors, foster a positive work environment, and ultimately drive long-term success. Even for small businesses, thoughtful benefits planning is a powerful tool for building a dedicated and productive team.

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Health Insurance

Ancillary and Voluntary Benefits

Enrollment

Member Satisfaction via NewHealth

Compliance

Health Insurance

At GCG Benefits, we understand that selecting the right health insurance plan is crucial for both your organization and your employees. Here’s an overview of the different health insurance options available to help you make an informed decision:

Each option has its advantages and considerations, and the right choice depends on your company’s size, financial situation, and specific needs. Our team at GCG Benefits is here to guide you through the decision-making process and help tailor a solution that fits your organization perfectly.

Fully Insured

Fully insured plans are traditional health insurance arrangements where your organization pays a fixed premium to an insurance carrier. In return, the carrier assumes the financial risk for covered medical claims. This option offers predictability in budgeting and reduces administrative responsibilities, as the insurance company handles all claims processing and risk management

Self-Insured: ASO

An Administrative Services Only (ASO) arrangement involves a partnership where you self-insure your health benefits but outsource the administration to a third-party administrator (TPA). The TPA handles claims processing, customer service, and other administrative tasks, while you retain the risk management aspect. This can streamline administration while providing the flexibility of self-insurance.

Self-Insured: Level-Funded

Level-funded plans combine aspects of fully insured and self-insured plans. Your organization pays a fixed monthly fee that covers both insurance and administrative costs. At the end of the year, if the claims are lower than the premiums paid, you may receive a refund. This approach offers the predictability of fixed premiums with potential cost savings if claims are lower than anticipated.

ICHRA

The Individual Coverage Health Reimbursement Arrangement (ICHRA) is a newer option that provides employees with a defined amount of money to purchase their own individual health insurance plans. With ICHRA, you can customize benefits based on employee classes, offering greater flexibility and control over your benefits budget while empowering employees to choose coverage that best suits their needs.

At GCG Benefits, we believe that a comprehensive benefits package is crucial for attracting and retaining top talent while supporting the diverse needs of our employees. If you have any questions about our benefits or would like more information, please contact us.

Dental Insurance

Vision Insurance

Employee Assistance Program (EAP)

Health and Wellness Incentives

Life Insurance

Disability Insurance

Commuter Benefits

Executive Life & Disability

Worksite Benefits

Professional Employer Organizations

Payroll Parnership

Enrollment & Open Enrollment

Online Enrollment

Phone Based Enrollment

In-Person Enrollment

Payroll Integration

By leveraging patient feedback to make informed decisions and improvements, plan sponsors can enhance the effectiveness of their health insurance plans, improve employee satisfaction, and ultimately reduce overall healthcare costs.

Supporting Plan Design Improvements
• Feedback on Coverage and Benefits:
• Identifying High-Cost Areas:

Optimizing Health Insurance Plans
• Understanding Employee Needs
• Reducing Administrative Costs
• Better Provider Selection
• Negotiating with Providers