Group Health Insurance Agent in Savannah, GA
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 Savannah, GA, to help them weigh their options. That's where working with Grey Cardinal Insurance Group starts to make a lot of sense.
Your Partner for Group Health Insurance Plans for Small Business
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.
What are the Advantages of Having Group Health Insurance for Small Business in Savannah, GA?
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:
Insurance Costs for Employees
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.
More Insurance Options to Choose From
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.
Reduced Tax Burden
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.
Employee Retention and Recruitment
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.
Group Health Insurance 101
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.
How Does Group Health Insurance Work in South Carolina?
A group health insurance plan is typically coordinated with the help of a group health insurance agent in Savannah, GA, 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.
Group Health Insurance Options in South Carolina
Like the menu at The Olde Pink House in Savannah, GA, 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 Savannah, GA:
Fully Insured Group Health Insurance Plans
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 Group Health Insurance Plans
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 Group Health Insurance Plans
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.
What Do Group Health Insurance Plans for Small Business in Savannah, GA Cover?
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 Social at Savannah, 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.
Group Health Insurance Plans for Small Businesses vs. Individual Health Insurance Plans
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).
Why Work with a Local Group Health Insurance Agent in Savannah, GA?
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."
What Do Local Group Health Insurance Agents Actually Do?
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 Old Fort Jackson in Savannah, GA, we stand tall for you and your business when you need us most.
Personalized Support
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 Savannah, GA.
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.
On-Call When You Need Them
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.
Exceptional Customer Service
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.
A Business Group Health Insurance Agency in Savannah, GA, You Can Trust
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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Fort Stewart-Hunter Army Airfield
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Friday and Sunday events in Savannah, South Carolina frame Saturday's Orange Crush Festival
Destini Ambushttps://www.savannahnow.com/story/news/local/2025/04/16/2025-orange-crush-festival-events-in-savannah-ga-and-south-carolina/83116073007/
After 30 years of existing as an unpermitted event on Tybee Island, the Orange Crush Festival is back this weekend, permit in hand. Though the permit is for a one-day festival on the beach on April 19, there will be other events in and around Savannah and South Carolina on Friday and Sunday.Orange Crush will hold its official kick off at 3 p.m. on Friday, April 18, with a ribbon cutting event and check in for attendees at Henry Street Bistro, 1301 Montgomery Street, in Savannah. Following the "opening," several other venues ...
After 30 years of existing as an unpermitted event on Tybee Island, the Orange Crush Festival is back this weekend, permit in hand. Though the permit is for a one-day festival on the beach on April 19, there will be other events in and around Savannah and South Carolina on Friday and Sunday.
Orange Crush will hold its official kick off at 3 p.m. on Friday, April 18, with a ribbon cutting event and check in for attendees at Henry Street Bistro, 1301 Montgomery Street, in Savannah. Following the "opening," several other venues are tapping into the Spring Break atmosphere.
Here is the full schedule:
Friday, April 18, Pre-parties
Saturday, April 19, Orange Crush Festival, Tybee Island Pier
Sunday, April 20, Celebrity Brunch, Car/Bike and Fashion Show, Progressive Recreational Center, 5321 Ogeechee Road, Savannah
Destini Ambus is the general assignment reporter for the Savannah Morning News, covering the municipalities, and community and cultural programs. You can reach her at DAmbus@gannett.com
Remember Savannah's former Rogers Laundry? Owners of Laundry Diner want to hear your stories
Polly Powers Strammhttps://www.savannahnow.com/story/entertainment/dining/2025/04/20/share-memories-of-rogers-laundry-with-owners-of-savannah-ga-laundry-diner/83172742007/
Do you remember dropping off your “dry clean only” clothes at Rogers Laundry on the corner of Paulsen and Anderson streets? Did you find Rogers’ receipts or coat hangers covered with Rogers Laundry paper when you were cleaning out your parents’ or grandparents’ homes?If you have photographs, matchbooks, stories about or anything related to Rogers Laundry, Liz Massey would love to hear from you. Massey and her team have been working hard for two years to revamp the old Rogers Laundry buildin...
Do you remember dropping off your “dry clean only” clothes at Rogers Laundry on the corner of Paulsen and Anderson streets? Did you find Rogers’ receipts or coat hangers covered with Rogers Laundry paper when you were cleaning out your parents’ or grandparents’ homes?
If you have photographs, matchbooks, stories about or anything related to Rogers Laundry, Liz Massey would love to hear from you. Massey and her team have been working hard for two years to revamp the old Rogers Laundry building at the corner of Paulsen and Anderson streets and transform it into The Laundry Diner. The establishment will serve breakfast all day, lunch, dinner and late-night eats and a few grocery items , in addition to Two Tides Brewing Co. beer.
In the process of working on the project, Massey has made many friends in the midtown neighborhood, many of whom have shared memories of Rogers and the people who worked at the longtime dry cleaning plant. Curious passersby often stop to chat about the building or the nearby Dooner Mattress Co.
Massey welcomes the conversations and has made friends with many neighbors.
“We’ve heard some good stories and collected great information,” said Massey, who also owns Two Tides Brewing Co., Float Coffee and Smol Bar with her husband, James.
On Instagram and Facebook Massey has posted photos of a vintage Rogers matchbook, that lists 12 branches and washaterias and a cardboard-like square designed to fit in a man’s coat pocket. In between dealing with the city of Savannah on acquiring permits and addressing the business’ parking needs, while overseeing work on the building, Massey ventured over to the Georgia Historical Society to search files for photos of the building and its workers.
She hasn’t found any photos but certainly wants to and is asking longtime Savannahians who may have had relatives who worked at Rogers to share pictures of their grandmothers, etc.
Kudos to Massey for her dedication to this particular midtown neighborhood. In the 2½ years since work started on The Laundry Diner, she has overcome numerous challenges―a fire, flood and red tape―that might have discouraged a lesser dedicated individual. But, even after a handful of setbacks, Massey is finally seeing the end of the tunnel and may open in late April or early May.
To say she is anxious to open the doors of the diner is an understatement. Recently, she posted this comment on The Laundry Diner Facebook page: “We are SO ready to be a part of the neighborhood and your lives.”
Many memories of Rogers have arrived via word-of-mouth and he said/she said, Massey pointed out. She has discovered that in the four decades that Rogers was operating on Paulsen and Anderson that it “was a kind of a hub for people who lived in this neighborhood and walked to work and passed by every day.”
Back in the day, residents often lived, worked and shopped in the same area, she said. It was also like that decades ago in the Starland District, now home to Two Tides.
“People walked or biked to businesses in their neighborhood,” she said.
If you have any photos, merchandise or marketing items from Rogers, drop by 1401 Paulsen St., email Massey at hello@the laundrydiner.com or call her at (512) 940-6001.
City of Savannah to host series of community meetings on proposed Stormwater Utility
WTOC Staffhttps://www.wtoc.com/2025/04/15/city-savannah-host-series-community-meetings-proposed-stormwater-utility/
SAVANNAH, Ga. (WTOC) - The City of Savannah will be hosting a series of evening community engagement meetings in late April to gather input from residents and share information about a proposed Stormwater Utility.The meetings will provide an opportunity for the public to learn about the proposed utility, ask questions, and provide feedback. The individual meetings are being held in each Aldermanic District, April 21 – April 30 at 6 p.m.The City says Savannah faces numerous challenges related to stormwater drainage includi...
SAVANNAH, Ga. (WTOC) - The City of Savannah will be hosting a series of evening community engagement meetings in late April to gather input from residents and share information about a proposed Stormwater Utility.
The meetings will provide an opportunity for the public to learn about the proposed utility, ask questions, and provide feedback. The individual meetings are being held in each Aldermanic District, April 21 – April 30 at 6 p.m.
The City says Savannah faces numerous challenges related to stormwater drainage including aging and expanding infrastructure, flood mitigation, and a changing climate that has produced more intense storms.
In the past, the City has used a combination of funding sources including federal grants, Special Purpose Local Option Sales Tax (SPLOST) funds, and general fund appropriations to address drainage issues in the past. Now, City staff are exploring the creation of a dedicated funding mechanism through a new utility to help alleviate the long-term financial burden of future stormwater management.
They say the proposed Stormwater Utility would fund all services within the Stormwater Management Program with a focus on drainage system maintenance, reduction in flooding, water quality management, and regulatory compliance. The new utility would reduce reliance on General Fund appropriations, according to the City.
They say like other City utilities, the Stormwater Utility will be funded through a user fee—assigning costs more equitably based on the impact of each property and the service delivery demand that the property imposes on the City’s Stormwater Department.
The City says a property with more pervious areas, like a lawn or garden, would pay lower fees in stormwater utility costs due to their ability to absorb stormwater runoff. Properties with more impervious surfaces, such as parking lots and rooftops, generate greater stormwater runoff and require more service, resulting in higher stormwater utility fees.
In May 2024, the City issued a Request for Proposal (RFP) for a study to examine the level, cost, and extent of services currently being provided and how they would change under a new Stormwater Utility. In August 2024, City Council approved a $300,000 contract with Stantec Consulting Services to conduct the new study.
For more information about the proposed Stormwater Utility and the upcoming meetings, visit savannahga.gov/stormwater.
View a list of meetings below:
Copyright 2025 WTOC. All rights reserved.
Savannah Dining Updates: Just for one day, dine al fresco with David Bowie
Amy Paige Condonhttps://www.savannahnow.com/story/entertainment/dining/2025/03/26/dining-updates-for-savannah-ga-the-week-of-march-26-2025/82656127007/
This time of the year in Savannah is when you think, "This is why I live here!"The azaleas show off in all their vivid splendor. A light jacket gets you through the morning but you can shed the layers by mid-day. The sun brightens the bluest skies without making you feel like you've been baked from the inside-out like a microwave oven. Were it not for the sand gnats―Still, spring in Savannah makes us want to eat outside at a sidewalk bistro or in the park or under oaks backlit by a full moon. Good thi...
This time of the year in Savannah is when you think, "This is why I live here!"
The azaleas show off in all their vivid splendor. A light jacket gets you through the morning but you can shed the layers by mid-day. The sun brightens the bluest skies without making you feel like you've been baked from the inside-out like a microwave oven. Were it not for the sand gnats―
Still, spring in Savannah makes us want to eat outside at a sidewalk bistro or in the park or under oaks backlit by a full moon. Good thing, then, that this week's dining updates gives us options.
Put on your red shoes
The bold visionaries behind some of our favorite neighborhood eateries and watering holes are collaborating for a truly inventive dinner inspired by their favorite David Bowie albums. At 6 p.m., April 1, Cotton & Rye, Sixby, Lone Wolf Lounge and Dee Herb at Winebow Fine Wine and Spirits are cooking up Six Sides of David Bowie, a six-course al fresco dining experience to Bowie's music.
Seating is limited. Tickets are $150 per person and available at https://tinyurl.com/mry2x65c.
Raise a glass
Also from 6 to 9 p.m. on Tuesday, April 1, Savoy Society, 102 E. Liberty St. (first floor of Drayton Towers) is throwing a welcome-to-town soiree for the folks behind the Municipal Grand Hotel, 132 Broughton St., slated to open this spring.
Located at Abercorn and Broughton streets, the midcentury building was constructed in 1959 as an office building for the First Federal Savings and Loan Association. In more recent years, the 6-story building housed various city departments where residents could pay their utility bills., until it was sold in 2019. The Municipal Grand Hotel was born from a partnership, Midnight Auteur, between the owners of The Ramble Hotel in Denver and the cocktail institution known as Death & Co.
Guests will get to taste the cocktails that will soon be shaken and stirred at Savannah's latest boutique hotel.
Wonder what the general would think?
An homage to Georgia's First City's founder, the apartment-style hotel The Ann Savannah has openedLittle James, a Mediterranean-inspired restaurant by day and artisanal cocktail bar by night.
The menu, with flashes of Spain, France and Italy, offers light fare―nibbles in the way of marinated olives, fresh-from-the-garden salads, savory salads and flatbreads. It is ideal for a zesty business lunch just off the beaten path, behind The Grey.
Little James, 110 Ann St., Savannah, littlejamessavannah.com
Starland for lunch, you ask?
Your midday weekend dining options just got bigger. Ukiyo Izakaya and Ramen Bar, 2224 Bull St., in the Starland area is now serving lunch on Saturdays and Sundays, beginning at noon both days.
Give us some news >>
If you have any news about a menu update, an restaurant's opening or closing, a special event, let us know. Send your news to ACondon@gannett.com.
Also, we have a little contest going to determine the Ultimate Savannah Dish. We're down to the Final Four. Let's hear from you >> tinyurl.com/yeabkbw7.
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