If you're an employer dedicated to attracting and retaining talent or boosting employee productivity, offering a valuable health benefit is important. After all, accidents happen every day. And then, out of nowhere, you're sideswiped by another motorist. Having great health insurance coverage is essential in such scenarios. That's especially true in South Carolina, where group health insurance stands out as a key consideration for businesses. Not only does a comprehensive insurance plan safeguard the health and wellness of your employees, but it also plays a key role in drawing in and keeping top talent.
While you might be most familiar with traditional group health plans, making that your go-to option may not always be the best fit for your organization in today's ever-evolving healthcare landscape. How can you determine if it's truly the right choice for your business? If you've been asking yourself that question, you're not alone. Many small businesses are in need of a group health insurance agency in Isle of Palms, SC, to help them weigh their options. That's where working with Grey Cardinal Insurance Group starts to make a lot of sense.
At Grey Cardinal Insurance Group, we understand the importance of providing flexible, personalized, comprehensive, and cost-effective health benefits. Our knowledgeable group health insurance agents are ready to help you assess your needs and figure out the best group health plan options for your employees and your business.
Whether you're looking to implement traditional group health insurance policies or you're curious about ICHRA, Grey Cardinal Insurance Group is the name you can trust when it's time to navigate the complexities of employee benefits. Let's work hand-in-hand to create a health-benefits solution that empowers you, your business, and your employees.
At Grey Cardinal Insurance Group, one of the first questions we answer for our clients usually centers around the benefits of having group health insurance. As it turns out, investing in group health insurance for your company provides you with many benefits, including:
Investing in a group health insurance policy for your business can significantly lower your insurance premiums. When the costs are divided between the business and employees, health insurance is also more affordable for your team.
With group health insurance, your employees will enjoy increased access to a wider range of health insurance options due to reduced costs. With employers partially funding group health insurance, employees will find it easier to afford the coverage they require.
Small businesses can take advantage of a valuable health care tax credit when they provide group health insurance to their employees. This tax credit serves as a financial incentive, making it more affordable for small business owners to offer essential health coverage. Employers also have the opportunity to deduct the expenses associated with group health insurance premiums from their taxable income. This deduction can significantly lower their overall tax liability at the end of the year, ultimately contributing to improved financial stability for the business.
A recent study conducted by MetLife reveals that an attractive benefits package significantly influences employees' decisions to remain with their current employer or seek opportunities elsewhere. Among the various benefits, health insurance stands out as one of the most essential offerings that employees actively anticipate from their employers. This expectation underscores the vital role that comprehensive health coverage plays in employee satisfaction and retention in the workforce.
What are group health insurance plans for small businesses? Group health insurance plans provide health coverage benefits to a specific group of individuals, usually employees of a company or organization. According to the Social Security Administration (SSA), a group health plan (GHP) is associated with current employment. Employers with 20 or more employees are also required by law to offer their current workers and their spouses aged 65 or older the same GHP benefits, regardless of their age.
To better understand group health plans or group health insurance policies, it's useful to consider how they differ from individual health insurance. Individuals can apply to enroll in marketplace insurance providers for individual health plans. In contrast, group health plans are tailored specifically for the members of that group. For businesses, these health plans are often referred to as employer-based or employer-sponsored coverage.
A group health insurance plan is typically coordinated with the help of a group health insurance agent in Isle of Palms, SC, and is sponsored and purchased by employers for their businesses. During the enrollment period, employees or group members can sign up for the plan. They also have the option to add eligible spouses and dependents, usually at an additional cost. The specifics of the plans can differ in terms of coverage levels, costs, number of participants, and the overall health of the members. Generally, a group with lower health risks tends to enjoy lower premiums.
Employees' contributions toward their premiums are deducted from their paychecks before taxes, making it a more cost-effective option. When a member of the group health plan visits a healthcare provider, the provider submits a claim to the insurance company, which then reimburses them according to the plan's coverage. Any remaining costs are paid out-of-pocket by the member, contributing towards their deductible or out-of-pocket maximum.
Like the menu at Magnolias in Isle of Palms, SC, employers have a litany of options to choose from when it comes to group health insurance plans in The Palmetto State. With these different types of group insurance, employers can usually find a health plan that aligns with both their budget and the specific benefits they want to offer. Among the most popular choices are health maintenance organizations (HMOs) and preferred provider organizations (PPOs).
High-deductible plans serve as another option. Employers can also consider self-funded plans, where employees pay their premiums directly to the employer. In this arrangement, the employer takes on the financial responsibility for all health care claims once the employee meets their health plan deductible and out-of-pocket maximum.
Check out this group health insurance plan comparison in Isle of Palms, SC:
One of the most traditional options for group health insurance is the fully insured plan. Under this arrangement, your company pays a fixed premium to your insurance carrier annually, based on the number of employees participating in the coverage. The only instances that will cause your payment to change during the year are if an employee opts out or if there are fluctuations in the number of participants. The insurance carrier collects all premiums and handles any healthcare claims as per the policy you selected, while employees are responsible for any applicable deductibles or co-payments.
Level-funded plans, often referred to as partially self-funded plans, have been gaining traction among employers. Although these plans involve taking on more risk than fully insured options, they typically offer a more cost-effective alternative while still ensuring financial predictability. Level-funded plans can also provide greater flexibility in plan design compared to fully insured plans. You can think of them as a balanced option that bridges the gap between fully insured and self-funded plans. At Grey Cardinal Insurance Group, your group health insurance agent will walk you through the pros and cons of level-funded plans to help you decide whether they're right for your business and employees or not.
Self-funded plans have traditionally been favored by large companies, but they're gaining traction among smaller businesses as well. In a self-funded arrangement, employers take on the full responsibility for funding and managing the health insurance plan. While this might seem like a disadvantage, these plans often offer more affordable premium rates and greater control over the specifics of coverage compared to fully insured or level-funded options.
Group health insurance plans can differ significantly, but they generally cover a portion or all of the costs associated with medical care. This includes expenses for physician visits, longer stays at facilities such as The Palms of Mt Pleasant, approved inpatient and outpatient procedures, preventive care, prescriptions, and therapeutic treatments like physical and occupational therapy. They also cover emergency care, such as visits to the emergency room or urgent care centers. It's important for members to reach out to their health insurance providers to understand the specifics of what their plan covers and what their financial responsibilities are for both necessary and elective procedures.
Some group health insurance providers have also broadened their offerings to include mental health services and alternative treatments. Employers can further support their employees by providing extra coverage options, such as health savings accounts (HSAs) or health reimbursement arrangements, which can help alleviate some financial burdens.
When comparing individual and group health insurance, several key differences emerge. Like a group health plan, individual insurance covers either a single person or a family. However, the main distinction lies in how these plans are obtained: individual plans are purchased directly by the individual from an insurance provider or through a government marketplace, making the individual responsible for the total cost of their premiums. In contrast, group health plans are often facilitated by a group health insurance agent and share premium costs between the employee and employer.
Because group health insurance covers multiple people, the employer often has more leverage when negotiating premiums and benefits. However, all participants receive the same plan. On the other hand, individual healthcare plans can be tailored to suit a person's specific needs and budget, allowing for greater personalization.
Another important difference is the underwriting process for each type of plan. In individual plans, premiums may be higher for those with health risk factors and existing conditions if they choose not to purchase through a marketplace. Conversely, group insurance offers coverage at the same price for all employees, even those with pre-existing conditions. Individual health plans can also be portable, meaning they remain with the individual if they change jobs. This isn't the case with employer-sponsored plans; once an employee leaves, they must either find new coverage or continue their existing policy through COBRA (Consolidated Omnibus Budget Reconciliation Act).
In today's marketplace, many small business owners go with franchise or "big name" agencies to find group health insurance. While not wrong, this course of action can end up costing your company - and not only from a financial point of view. Working with a local group health insurance agency can provide you with many benefits that big-box options can't provide. What are they, you might be asking? Let's dig in and find out why it's always best to search for "local group health insurance agency near me."
A local group health insurance agent or broker - like those from Grey Cardinal Insurance Group - pulls on years of experience and knowledge to give you in-depth guidance centered around your group health insurance needs.
For a business owner, that includes audits on insurance benefits, group insurance plan recommendations for your employees, meeting with those employees to talk about additional benefits they need, and much more. For example, if you need to add benefits like vision, dental, or life insurance to your enrollment options, a group health insurance agent can walk you through your choices and the process as a whole.
But what about if you're just getting started? Navigating the often-complex landscape of health insurance can be particularly challenging for small business owners in such circumstances. A survey conducted by United Healthcare Consumer Sentiment revealed that only 7% of consumers could accurately explain common health insurance terms. That's why, at Grey Cardinal Insurance Group, we're committed to providing education for both you and your employees during enrollment meetings. Like Fort Sumter and Fort Moultrie National Historical Park in Isle of Palms, SC, we stand tall for you and your business when you need us most.
One of the biggest reasons to choose a local agent is the ability to customize your plan. No two group health insurance plans are exactly the same, and with ongoing changes in healthcare regulations, it can be challenging to understand the options available to you.
So, what can businesses do to tackle this challenge? The answer lies in partnering with a local health insurance agent in Isle of Palms, SC.
At Grey Cardinal Insurance Group locations, we prioritize listening to your needs and crafting a tailored plan that benefits both your business and your employees. During open enrollment, we take the time to meet with you and engage with your team to better understand the benefits they're looking for. This hands-on approach ensures that employees have direct access to our staff for any questions or concerns they may have. This level of support is something you simply won't find with large corporate insurance firms.
Engaging a local health insurance agent offers numerous advantages, particularly in terms of access to information and support. Local group health insurance agents are readily available to answer any inquiries that may arise. For instance, when a small business owner wishes to modify their benefits packages, they can easily reach out to a local agent to discuss potential adjustments. The agent can provide guidance in developing a well-structured and appropriate employee benefits package that reflects employee feedback. This collaborative approach can enhance employee satisfaction and improve the overall management of benefits options.
This point builds off the last point about local agents being on-call when you need them. Would you rather talk to a real person who you've spoken to before or an automated service when you have questions about your group health insurance? Pressing # to get help with one issue and then being transferred for help and starting the process over is very tedious.
With a local group insurance agent by your side, you'll have peace of mind knowing you'll have quick, quality customer service when you need it, and from a real person, too. If you need to submit a claim, your agent will be able to explain your coverage and options and walk you through the steps to complete your claim.
At Grey Cardinal Insurance Group, our health insurance agents live in the same communities you do, so they know what you are going through or dealing with and are likely already on top of it for you. With that added peace of mind, you can focus more clearly on the core aspects of your business.
No matter which group health insurance policy you decide on, Grey Cardinal Insurance Group is here to support you. Our experienced agents will collaborate closely with you to understand your needs and find the best health plan options for your business and employees. Reach out to us today to explore your small business group insurance options and get a quote.
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Set in the marshes between Mount Pleasant and Isle of Palms, Little Goat Island is a small undeveloped patch of land. Countless visitors to the popular IOP tourism town pass right over the island each summer as they fight the crowds on the connector bridge on their way to the beach.Sandwiched between two heavily populated communities, Little Goat Island is one of the last undeveloped sea islands in the Lowcountry and a "time capsule" that still looks much as it did a century ago, according to the Lowcountry Land Trust. Now i...
Set in the marshes between Mount Pleasant and Isle of Palms, Little Goat Island is a small undeveloped patch of land. Countless visitors to the popular IOP tourism town pass right over the island each summer as they fight the crowds on the connector bridge on their way to the beach.
Sandwiched between two heavily populated communities, Little Goat Island is one of the last undeveloped sea islands in the Lowcountry and a "time capsule" that still looks much as it did a century ago, according to the Lowcountry Land Trust. Now it's permanently protected from any future development thanks to a donated conservation easement, the nonprofit announced March 31.
“Undeveloped islands like this are increasingly rare,” Natalie Olson, the sea islands program director at Lowcountry Land Trust, wrote in a press release announcing the acquisition. "By preserving this land, we are ensuring that both wildlife and future generations can experience its natural beauty. This conservation effort also helps protect the delicate coastal ecosystem and support biodiversity and climate resilience.”
Little Goat Island is 28 acres of upland habitat surrounded by nearly 400 acres of salt marshes, according to the Land Trust. As a relatively undisturbed salt marsh habitat, the island provides critical refuge for Lowcountry oysters, birds, aquatic species and native plants. No goats graze on Little Goat Island.
"We're so excited to be able to preserve Little Goat Island in perpetuity,” Kim Chesson, who owns the island with her husband, wrote in a statement. “My parents lived across from this island for over 20 years, and now we have a house that overlooks it. We love that it will stay undeveloped for our family and for our Isle of Palms neighbors to enjoy!"
The donation of the Little Goat Island conservation easement expands a growing corridor of conserved land along Sullivan's Island and Isle of Palms, according to the Land Trust. That includes Gold Bug Island, Sullivan's Island Beach and parts of Goat Island — a separate piece of land northeast of Little Goat Island.
ISLE OF PALMS, S.C. (WCSC) - A new plan would build a temporary buffer between at-risk homes and nature-driven erosion, heightened by storm surges and changing tides along the beachfront.Shoal management projects happen every five to 10 years, when a shoal or forms across the shoreline and creates stronger erosion because of the location of breaking water. While the movement of the sandbar is slow, the impact can accelerate problems and risks for homes.Isle of Palms Mayor Phillip Pounds said it has sprouted a hotspot for homes ...
ISLE OF PALMS, S.C. (WCSC) - A new plan would build a temporary buffer between at-risk homes and nature-driven erosion, heightened by storm surges and changing tides along the beachfront.
Shoal management projects happen every five to 10 years, when a shoal or forms across the shoreline and creates stronger erosion because of the location of breaking water. While the movement of the sandbar is slow, the impact can accelerate problems and risks for homes.
Isle of Palms Mayor Phillip Pounds said it has sprouted a hotspot for homes in the Wild Dunes resort area, located on the left end of the beach. The back-facing sides of those Beachwood East properties are covered in large sandbags, water crashing up to the stilts holding homes high.
“It’s about four or five houses, really like a fire hose coming out of the ocean, all directed right here,” Pounds said. “We are facilitating and moving that sand faster than nature might move it, we are going to harvest a decent amount of sand and pull it up right behind us to protect these houses.”
The shoal management project is meant to serve as an “interim” as the city prepares for a larger renourishment project being designed and permitted. This would be the first since 2018.
Unlike projects on two-thirds of the shoreline, this project is located on Wild Dunes property. The cost, close to $800,000, comes from their bidding.
Pounds estimates the shoal management portion to use between 120,000 and 130,000 cubic yards of sand, while the main renourishment would use more than a million.
Ted Caudill finds his peace as a local of 43 years while walking the beachfront, listening to chirping birds and crashing waves.
“It’s kind of an escape from life on days like this. To be retired and have the privilege to come here when it looks good. The beach restores the soul,” Caudill says.
He asks the beach be given the same consideration as other destination communities working to fuel the economic industry for the state of South Carolina.
“Whatever comes downtown that gets promoted, we don’t talk about the beaches and the life it has,” Caudill says. “It is a major draw to a lot of people and if we don’t do that, we lose the charm of where we live.”
The city hopes to kickstart the project this month.
It will pause at the end of May for turtle season until around September.
Copyright 2025 WCSC. All rights reserved.
MOUNT PLEASANT — The free beach shuttle to the Isle of Palms that CARTA operates will return for a fifth year.Parking fees on Isle of Palms are going up for the first time in five years — now costing up to $25 during peak beach season — but beachgoers will still have a free way to get to the beach. CARTA's Beach Reach route starts from the Mount Pleasant Towne Cen...
MOUNT PLEASANT — The free beach shuttle to the Isle of Palms that CARTA operates will return for a fifth year.
Parking fees on Isle of Palms are going up for the first time in five years — now costing up to $25 during peak beach season — but beachgoers will still have a free way to get to the beach. CARTA's Beach Reach route starts from the Mount Pleasant Towne Centre to Ocean Boulevard — right outside the entrance of Isle of Palms County Park.
This year, the shuttle will be on a trolley bus the Berkeley-Charleston-Dorchester Council of Governments purchased in late 2024.
The shuttle route was first approved in 2021 after the state Department of Transportation told city officials to roll back plans eliminating free beach parking for nonresidents. CARTA's strategy to transport people from Towne Centre to Isle of Palms helps alleviate the parking issue.
The CARTA board unanimously voted at their March 19 meeting to continue the Beach Reach.
In 2024, Beach Reach carried 703 riders, a slight decrease from the 795 riders in 2023. CARTA board Chair Mike Seekings told The Post and Courier ridership can vary throughout the summer because of the weather.
He added he's glad to see the route return for "season five," and called it a natural choice for CARTA to implement the shuttle so people have free access to a beach.
"In today’s day and age, where parking is expensive the closer you get to the shoreline and getting to and from (the beach) can be a challenge, having someone drive you ... drop you right off at the entrance to the county park with the beach nothing but 100 yards away?" Seekings said. "It’s really a great resource for people."
CARTA board member Daniel Brownstein supports the Beach Reach, and has pushed for an additional stop to Sullivan’s Island for the past year.
"I think that’s the missing piece of the puzzle," Brownstein told The Post and Courier.
Brownstein said the route could be a circle, starting in Mount Pleasant Towne Centre to Isle of Palms then to Sullivan’s Island and back. He believes it would not only increase ridership but also solve parking challenges on Sullivan’s Island.
Seekings said he'd support a Sullivan's Island stop as long as the shuttle remains "as quick and easy as possible" for riders.
Isle of Palms wasn't always the only beach route for CARTA. According to Seekings, there was a route to Folly Beach several years ago but the ridership was lower than expected. Although it was a regular route and not just for summer months, the route was discontinued due to lack of success.
Seekings said the board will keep an eye on the situation and see if a shuttle to Folly Beach is viable in the future.
The Beach Reach will start on Memorial Day and run every weekend until Labor Day, running on both Memorial Day and Labor Day. The first trip on Saturdays is at 9:15 a.m. and last at 5:15 p.m., and the first trip on Sundays is at 9:40 a.m. and last at 5:40 p.m.
South Carolina has a mystical, compelling charm like no other state in America. It is full of teeny towns with classic southern charm, whether it’s inland or coastal. There’s no shortage of things to do and see in and around these lovely little towns. From the historical downtown of Beaufort to the luxurious beach resorts of Isle of Palms and the gorgeous mountain scenery of Landrum, discover these South Carolina towns and unravel their secrets.Beaufort ...
South Carolina has a mystical, compelling charm like no other state in America. It is full of teeny towns with classic southern charm, whether it’s inland or coastal. There’s no shortage of things to do and see in and around these lovely little towns. From the historical downtown of Beaufort to the luxurious beach resorts of Isle of Palms and the gorgeous mountain scenery of Landrum, discover these South Carolina towns and unravel their secrets.
Beaufort is located on Port Royal Island and is the second oldest city in South Carolina. Its entire downtown is a designated historic district by the National Trust for Historic Preservation, so it is a natural choice destination for history buffs! Visitors can stop by the Beaufort Visitor Center and pick up a guide for a self-guided tour around the homes of the historic district before venturing over to the Beaufort History Museum, originally an arsenal. Lunch at Bricks on Boundary or the cute corner café, Blacksheep, will keep travelers satiated for a walk around the nearby Hunting Island State Park. The park features 3 public beaches, a lighthouse, a fishing pier, and nature trails that the whole family can enjoy. Stay at the top-rated 607 Bay; a bed and breakfast that also organizes charters or kayaking adventures for guests.
Known for being a gently developed beach along the South Carolina Coastline, Edisto Island is a perfect destination for anyone looking to be surrounded by beachy nature without all the hype and tourism. There are no hotels on Edisto Island, so visitors can choose to camp at Edisto Beach State Park or stay at a rental beach house advertised on Edisto Realty. Travelers love the easy flow of biking down the 5-mile Edisto Island Bike Path which winds around the back side of town. Rentals are available at Island Bikes and Outfitters. McConkey’s Jungle Shack is a local favorite for beachy drinks and classic sandwiches.
Home to Coker University, Hartsville is a small town in north central South Carolina that attracts visitors for its history, outdoor recreation, and charming downtown. A stay at the Mantissa Executive Suites & Spa is an intimate boutique hotel to spend evenings at with a rooftop bar and it is conveniently located across the street from The Blind Pig, serving up classic American fare and fabulous cocktails. In the mornings, travelers can grab a tasty coffee at Crema before heading to Kalmia Gardens, a public botanical garden with trails that wind through a variety of animal and plant life.
An hour north of Charleston, Isle of Palms is known for its world-class luxury for guests; from its top-notch golf courses to award-winning spas, Isle of Palms is for the lavish traveler. Wild Dunes Resort, the 1600-acre retreat, has two golf courses, a full-service spa, 1 clay tennis court, and 5 pickleball courts. The public Isle of Palms beach is great for sunbathing or catching a sunrise. The Islander is a rowdy way to end a day out in Isle of Palms with your friends and family; they have consistent live music, trivia nights, and delicious seafood sharables or main dishes like ahi tuna Bruschetta or local Oysters.
Walhalla or “Garden of the Gods” is a lovely mountain town in upstate South Carolina. Visitors can plan to book ahead for a one-of-a-kind stay in the Majestic Treehouse, a cozy cottage surrounded by 40 acres of forest, creeks, gardens, and trails to wander. In town, guests will find the Museum of Cherokee and Oconee History Museum or fun shops like Sunni Ann Mercantile Company. Nearby Sumter National Forest is a haven for hikers in the Southern Appalachians with waterfall views on trails like Big Bend Falls and Foothills Trail.
A small town dedicated to art in action, Lake City is a visual experience. Visitors to Lake City will find painted murals and sculptures like “Geisel’s Garden” throughout town, along with accessible art centers featuring exhibitions at Acline Studios or Trax Visual Art Center. Piggyback’s BBQ & Catfish is a local hub for southern fare with delicious bbq platters and catfish baskets. Overnights at the artfully designed 'The Inn at Crossroads,' will put travelers in the middle of downtown with an in-house bar and restaurant, Lake City Bistro. At Riverrat’s, kayaks and paddleboards are available for rent to paddle along the Lynches River.
In the piedmont of South Carolina, Laurens is a tight-knit, growing town of welcoming locals. Laurens has a rich history that can be tracked through the walls and exhibits of Laurens County Museum or sites like the Battle of Musgrove Mill State Historic Site, the location of the Battle of Musgrove Mill, around half an hour away. Whiteford’s Giant Burger is a legendary spot to grab a hearty burger, serving customers since 1957 with quality being their highest priority. At Lake Greenwood State Park, anglers can rent equipment and catch a variety of fish: bass, crappie, bream, perch, catfish, or stripers.
Founded in 1880 and situated against the southern end of the Blue Ridge Mountains, Landrum is a delightful little town and a breath of fresh air. Hikers base themselves in Landrum to trek the popular Palmetto Trail’s Blue Wall Passage, a 14-mile moderate trail featuring a 30-foot waterfall. Post-hike food fuels are best fulfilled at Southside Smokehouse, known for its variety of specials and Cajun-inspired recipes. The Landrum Farmers Market is not to be missed on Saturdays from April through December featuring live entertainment, homemade foods or crafts, and fresh produce.
The scattered small towns of South Carolina offer a variety of landscapes, the famous southern charm from welcoming locals, and a kind of mysticism in the air that’s unmistakable and alluring. From the upstate southern end of the Appalachia’s to the relaxed Atlantic coastline, South Carolina truly has a small town for all kinds of kinds. South Carolina’s small communities have a way of carving unforgettable memories into all who wander around them.
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