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 Port Royal, 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 Port Royal, 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 Saltus River Grill in Port Royal, 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 Port Royal, 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 Helena Square, 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 Historic Port Royal Foundation in Port Royal, 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 Port Royal, 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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Looking to celebrate Fourth of July with a bang?From Bluffton to Hilton Head and up to Port Royal, the Lowcountry region is lighting up with fireworks and festivities all week long.Here’s where you can join in the fun and see a sparkling performance in the sky:Kick off the holiday weekend with an evening packed full of family-friendly fun in Bluffton. Enjoy carnival-style games, bounce houses, tasty eats from loca...
Looking to celebrate Fourth of July with a bang?
From Bluffton to Hilton Head and up to Port Royal, the Lowcountry region is lighting up with fireworks and festivities all week long.
Here’s where you can join in the fun and see a sparkling performance in the sky:
Kick off the holiday weekend with an evening packed full of family-friendly fun in Bluffton. Enjoy carnival-style games, bounce houses, tasty eats from local vendors and live music from the Parris Island Marine Band.
A guitar rendition of the National Anthem is scheduled for 5:55 p.m., followed by fireworks lighting up the May River at 9 p.m.
Parking: Palmetto Breeze will have free shuttle service from M.C. Riley Elementary (200 Burnt Church Road) to Oyster Factory Park. Accessible parking is available at Bluffton Town Hall (20 Bridge Street).
Join the celebration at Hilton Head’s Shelter Cove for a festive night of live performances by Shannon Tanner, face painting, games and a fireworks finale over the water.
Parking: Free shuttle services are available from the Hilton Head Community Church lot (860 William Hilton Parkway) to Shelter Cove Harbour from 5:30 to 10:30 p.m.
Enjoy all-day festivities at the Sea Pines Resort and cap the day with fireworks at the iconic Harbour Town Lighthouse over the Calibogue Sound.
Parking: Parking is available in designated lots along Greenwood Drive; attendants will direct traffic. Buses are available to transport guests to and from Harbour Town from 3 p.m. to 11 p.m.
Celebrate with coastal flair at Sands Beach in Port Royal. The evening features local food vendors, children’s activities, live music, and a performance by the Parris Island Marine Band. The evening will close with fireworks over the river.
Parking: Parking at The Sands is only for handicapped and golf cart users. Other parking options include spaces along Paris Avenue and nearby streets.
Looking for other Independence Day events to celebrate the holiday weekend?
From patriotic parades to community festivals, events are scheduled in every corner of the region. Click here for the full rundown.
By Delayna EarleyThe Island NewsBeachgoers rejoice, for the causeway leading to Sands Beach in Port Royal is now open for public use, which means that vehicles can now drive onto the beach once more.Sands Beach is rare among beaches in Beaufort County, as vehicles are allowed to drive up to and park on the beach.Now, after three months of construction, visitors can access the beach without damaging their cars due to tidal holes and dips in the sand thanks to the new wooden causewa...
By Delayna Earley
The Island News
Beachgoers rejoice, for the causeway leading to Sands Beach in Port Royal is now open for public use, which means that vehicles can now drive onto the beach once more.
Sands Beach is rare among beaches in Beaufort County, as vehicles are allowed to drive up to and park on the beach.
Now, after three months of construction, visitors can access the beach without damaging their cars due to tidal holes and dips in the sand thanks to the new wooden causeway that opened to vehicular traffic on Friday, June 6.
The causeway, constructed by Greenway Bridge Company, out of St. Augustine, Fla., had previously opened to pedestrians at the end of May.
At 150 feet long and 24 feet wide, the wooden bridge is made from wood and has a section for vehicles to drive on and a separate part for pedestrians.
It is located where the Battery Creek and marsh meet and is constructed with pilings that were driven 25 feet deep, a foundation made from a concrete and rubberized stabilization system, sand used to level out the approach to the causeway on both sides and is capable of handling 20 tons.
The beach, which is completely accessible to vehicles except for a small portion closest to the water’s edge, is a favorite among locals who drive there to see the sunset, watch dolphins feed and search for sharks’ teeth.
It is open at dawn and closes at dusk.
The bridge cost $1.5 million and was paid for by federal COVID-19 relief funds.
The announcement of the causeway opening was first made on social media, drawing mostly positive comments from the community.
On Facebook, the post has been liked more than 600 times, has been shared more than 60 times and has attracted more than 100 comments.
While most comments are positive, there were concerns raised about safety and size of the causeway, stating that the causeway appears to only be wide enough to allow one vehicle to use it and could be problematic when the beach is busy.
Delayna Earley, who joined The Island News in 2022, formerly worked as a photojournalist for The Island Packet/The Beaufort Gazette, as well as newspapers in Indiana and Virginia. She can be reached at delayna.theislandnews@gmail.com.
At long last, the dark skies hanging over Safe Harbor Marina’s waterfront redevelopment plans in the town of Port Royal have cleared.At Tuesday’s Town Council meeting, council members were almost giddy as they approved key amendments to development agreements between the town and Safe Harbor along with an important land swap. Those moves, they say, amend the once-fractured partnership and pave the way for a “reset” so construction can begin this year. Plans call for a marina-centered residential and retail deve...
At long last, the dark skies hanging over Safe Harbor Marina’s waterfront redevelopment plans in the town of Port Royal have cleared.
At Tuesday’s Town Council meeting, council members were almost giddy as they approved key amendments to development agreements between the town and Safe Harbor along with an important land swap. Those moves, they say, amend the once-fractured partnership and pave the way for a “reset” so construction can begin this year. Plans call for a marina-centered residential and retail development for one of the most recognizable properties in northern Beaufort County.
Town officials called ratification of the development changes a new day in the relationship — and even a critical point in the town’s history, which was incorporated in 1874 and dates to 1562. The 300 acres along Battery Creek serves as the town’s front porch and can be seen by thousands of motorists daily who cross the Bell Bridge. The picturesque property sits adjacent to heavily-used Sands Beach and a boardwalk.
The remake of the waterfront is expected to boost the population of the community of 16,000 by as many as a 1,000 residents while attracting boats including yachts traveling between northeastern states and Florida.
“This is a monumental moment for Port Royal,” Councilman Darryl Owens said. “I’m sitting here now and I actually have goosebumps.”
Town Council members unanimously approved amendments to two key documents known as a development and planned unit development agreements. Those papers spell out what will get built and when and how and where. Council members also approved a land swap that clears the way for key pieces of the development, including a promenade through the marsh.
The South Carolina Ports Authority once owned the land where it ran the Port of Port Royal marine terminal from 1959 to 2004 before selling in 2017 to Grey Ghost Properties, which, in turn, sold the land to Safe Harbor in 2021. The relationship between Safe Harbor, a world-wide marina operator, and the town quickly soured over a litany of issues. But in February, the two sides reached a settlement agreement resolving their differences.
The amendments to the planned unit development and development agreements “codified” that settlement allowing the Port project to finally get off the ground more than 20 years after the state sold the property and redevelopment discussions began.
“This is the paperwork part that gets everybody to go to work,” Mayor Kevin Phillips said.
At Tuesday’s meeting, Safe Harbor and town officials traded niceties as if they had not been butting heads for months or residents had not paraded through Town Council chambers toting signs protesting the state of the development in 2023 and demanding a better outcome.
The two sides spent spent countless hours of time “hammering out” the issues to get to this point, Phillips said. “I just thank God I get to be here while it’s happening and I get to be a part of it,” Phillips said Tuesday.
Safe Harbor’s Colby Cooper was also upbeat and marveled at how long the project had been under discussion, which came long before Safe Harbor arrived on the scene.
“Many of us were teenagers when this process started,” said Colby, drawing a few laughs.
The town’s first ordinance related to the redevelopment was approved in 2011 — then amended in 2017, 2021 and now 2025, Cooper noted.
He characterized the latest amendments to the development plans as a “reset.”
Ron Gift, a regional Safe Harbor vice president, said last week, when the town gave preliminary approval to the changes, that the company has the permits needed to begin construction on a marina permitted for up to 300 slips. But he added that the company is focused on quality not speed.
The location of the marina benefits both Safe Harbor and the town, he said.
“With proximity to the coastal waterway, it is traffic-centric for the general boating public and frankly will be the premier waterfront anchor for the town,” Gift said.
Safe Harbor is planning a “world-class marina” that will include spaces for yachts, sail boats and other vessels. The marina will be flanked by a few hundred units of housing. Retail is in the mix as well. Public components include a park, shrimp docks and promenade through the marsh.
Here are highlights of the amendments and land swap:
▪ The construction timeline is clarified: The initial build-out will be three to five years, with work beginning later this year and continuing through 2028. Besides work on building docks, various mixed-use land parcels and buildings will be prepared that will be available for sale by the middle to latter part of 2026. Also during this phase, park sites and a pedestrian promenade system will be designed to accommodate and link future phases of development.
The dry stack boat storage facility that’s already in place will expand and development of residential areas will start after properties are sold. The park sites, pedestrian promenade, and additional open space will be completed and conveyed to the Town. The estimated population is expected to grow to 500 during this time period.
The period between 2028 and 2030 will be considered the close-out phase, during which much of the property will be available and major infrastructure will be complete. By this time, the estimated population will be 1,000.
▪ Safe Harbor will transfer land known as the “beer garden,” and adjacent areas of the marsh and its dry-stack boat storage facility, to the town.
The property is now used as a parking area for those visiting Sands Beach or the boardwalk.
The land is critical to a plan to build an elevated public promenade across the marsh that will stretch between the existing boardwalk viewing tower and the beer garden.
The town will give Safe Harbor five in-town townhouse lots in exchange.
▪ Safe Harbor is granting an easement to the town to operate the town-owned Henry Robinson Boardwalk which is located on Safe Harbor property.
▪ The town will also receive land between the Fishcamp on 11th Street restaurant and Shellring Ale Works where it plans to build new shrimp docks and a seafood processing facility. In return for that land, the town plans to waive a $150,000 contribution from Safe Harbor toward the fish processing facility.
▪ Safe Harbor will agree to cap the number of rental units in its housing plans at 15%. That issue arose when residents opposed an initial plan to build mostly rentals.
▪ The town will issue a temporary use permit to Safe Harbor for up to 18 months to build the docks for the marina. Long-term, however, it can’t use the area as a construction site to build docks. This settles a dispute over construction activities on the site.
▪ Safe Harbor is granting an easement that allows the extension of the Spanish Moss Trail.
It’s not everyday you see workers in buckets — at night — suspended under a major bridge but that’s what is occurring in Port Royal this week.The rare sight is occurring at the Bell Bridge in Port Royal, the bridge that connects the town with residential neighborhoods and commercial areas of Shell Point and the U.S. Marine Corps Recruit Station Parris Island on the other side of Battery Creek.The bridge doesn’t just transport vehicles. Two 14-inch diameter water pipes also hang on each side....
It’s not everyday you see workers in buckets — at night — suspended under a major bridge but that’s what is occurring in Port Royal this week.
The rare sight is occurring at the Bell Bridge in Port Royal, the bridge that connects the town with residential neighborhoods and commercial areas of Shell Point and the U.S. Marine Corps Recruit Station Parris Island on the other side of Battery Creek.
The bridge doesn’t just transport vehicles. Two 14-inch diameter water pipes also hang on each side.
About every three years, crews with the Beaufort-Jasper Water Sewer Authority need to inspect those major lines, said Jeff La Rue, BJWSA’s chief communications officer.
Given their location hanging from the sides of a bridge, it takes special equipment, specifically a rig similar to a cherry picker, a hydraulic crane with a platform at the end for raising and lowering people that’s often used to reach overhead cables.
To inspect the bridge water pipes, however, BJWSA workers must go out and down, not up. The arm on the BJWSA cherry picker reaches out over the railing and lowers a bucket below the bridge so the crew can check the pipes and also the structures that hold them in place, La Rue said.
“If you can picture what electric guys use to go up electrical poles,” La Rue says. “It looks like that. It goes out over the railing and hangs down so guys can stand in the bucket.”
The process is causing some traffic disruption but that can’t be helped because the BJWSA vehicles need to drive slowly down the bridge checking the water mains on both sides.
Lane closures began Tuesday and will continue through Friday. To limit the inconvenience, however, the inspections are occurring nightly between 7 p.m. and 6 a.m.
Drivers should anticipate delays and are urged to use caution while traveling through the area for their safety and that of the BJWSA crews, La Rue said.
The BJWSA treats and delivers 20 million gallons of drinking water to 60,000 retail customers across a 750-square mile service area has an average altitude between 13 and 39 feet above sea level. It also collects and treats nine million gallons of wastewater daily across 1,420 miles for about 43,000 sewer accounts.