Group Health Insurance Agent in Statesboro, 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 Statesboro, 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 Statesboro, 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 Statesboro, 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 Hopeulikit BBQ Market in Statesboro, 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 Statesboro, 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 Statesboro, 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 Gardens Senior Living Memory Care Community, 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 Statesboro, 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 Botanic Garden at Georgia Southern University in Statesboro, 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 Statesboro, 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 Statesboro, 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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Latest News in Statesboro, GA
Hibachi Express & Ramen officially open in Statesboro
Grice Connecthttps://www.griceconnect.com/local-news/hibachi-express-ramen-offically-open-in-statesboro-10272705
Hibachi Express & Ramen has officially opened in Statesboro, offering a diverse menu of hibachi, ramen, sushi, and boba tea in a convenient location near campus. With steady crowds, positive feedback, and an affordable lunch special running daily from 10:30 AM to 3 PM, the restaurant is quickly becoming a go-to dining spot in town....
Hibachi Express & Ramen has officially opened in Statesboro, offering a diverse menu of hibachi, ramen, sushi, and boba tea in a convenient location near campus. With steady crowds, positive feedback, and an affordable lunch special running daily from 10:30 AM to 3 PM, the restaurant is quickly becoming a go-to dining spot in town.
Hibachi Express & Ramen has officially opened its doors in Statesboro, bringing their fresh take on Japanese inspired cuisine to the community. Located on Tormenta Way near campus, the restaurant is already drawing steady crowds eager to try its offerings of ramen, hibachi, sushi, and more.
Some restaurants use social media buzz before their grand opening, but Hibachi Express & Ramen took a different approach. According to Adrianna Williams, one of the managers of the restaurant, business has been "jam-packed" from the start.
“We didn’t really make a big social media announcement,” Williams explained. “A lot of people are coming just because of the location, which is really exciting.”
The restaurant officially opened on February 3rd, and ever since, it has been a revolving door of customers.
Hibachi Express & Ramen set up shop in a rapidly growing area of Statesboro, a move Williams sees as strategic. “This plaza is really growing, and a lot of new businesses are moving in,” she said. “We’re right by campus, right by [the hospital], and next to a grocery store. It’s easy for people to stop by without having to commit to a full sit-down experience like Texas Roadhouse or Longhorn. You get great food fast, and that’s what people love.”
As the name suggests, Hibachi Express & Ramen specializes in hibachi and ramen, but there’s more to explore. “We also have sushi and appetizers like shrimp tempura,” Williams said. “We’re starting up the boba tea slowly but surely, too.”
Ramen, in particular, has been a big draw. “There aren’t a lot of places in Statesboro that offer ramen,” Williams noted. “That’s why I think it stands out. In Pooler, you have some options, but here, not so much. People who love ramen or have never tried it before are excited to have it available.”
Additionally, their hibachi meals provide a flavorful and convenient option for those looking for high-quality grilled dishes without the full sit-down hibachi experience. Diners can choose from a variety of proteins, including chicken, steak, and shrimp served with fried rice and vegetables.
For those who enjoy sushi, the restaurant offers a selection of classic rolls, sashimi, and specialty rolls.
“We wanted to have something for everyone,” Williams explained.
A Great Deal for Everyone
The restaurant’s lunch special is a standout deal for anyone looking for quality food at an affordable price. Running daily from 10:30 AM to 3 PM, this special includes a generous serving size, complete with a drink, all for about $10 after tax. Unlike many places that charge extra for sides and drinks, Hibachi Express & Ramen keeps it simple and budget-friendly without compromising on quality. “You get a pretty good serving, honestly; I always have leftovers,” Williams said. “And it’s only about $10 after tax, including a drink. Most places will charge extra for a drink or sides, but ours is all included. It’s affordable and still high quality"
So far, the response from customers has been overwhelmingly positive. “We haven’t even been open that long, and people have been so welcoming,” Williams said.
With its combination of quick service, quality ingredients, and a welcoming atmosphere, Hibachi Express & Ramen is quickly establishing itself as a must-visit spot in Statesboro. Whether you’re craving a hearty bowl of ramen, a sizzling hibachi meal, or a refreshing boba tea, this new eatery has something for everyone.
About Hibachi Express & Ramen
"Welcome to Hibachi Express & Ramen, where we craft delicious dishes with the freshest ingredients, blending tradition and creativity. Our mission is to provide a warm, inviting atmosphere where you can relax and enjoy great food with friends and family. Every meal is prepared with care and passion, ensuring a delightful dining experience. We take pride in our exceptional service and attention to detail. Thank you for choosing Hibachi Express & Ramen —we look forward to serving you!"
Store Location: 309 Tormenta Way Ste C3, Statesboro, GA 30458 Phone: 912-259-9918
Opening Hours:
Forty-Fifth Playing of the Schenkel Invitational Set for This Weekend
Georgia Southern University Athleticshttps://gseagles.com/news/2025/3/20/mens-golf-forty-fifth-playing-of-the-schenkel-invitational-set-for-this-weekend.aspx
STATESBORO – The Georgia Southern men's golf program, the Schenkel Invitational Committee and Forest Heights Country Club are set to host the 45th playing of the Schenkel Invitational, one of the premier events and longest-running tournaments in college golf, March 21-23 at Forest Heights in Statesboro.Admission is free, and spectators are welcome.Live scoring is available through GolfStat.Eight p...
STATESBORO – The Georgia Southern men's golf program, the Schenkel Invitational Committee and Forest Heights Country Club are set to host the 45th playing of the Schenkel Invitational, one of the premier events and longest-running tournaments in college golf, March 21-23 at Forest Heights in Statesboro.
Admission is free, and spectators are welcome.
Live scoring is available through GolfStat.
Eight participating teams are ranked in the top 100 nationally, according to the latest Clippd rankings. Army West Point, Campbell (#86), Florida (#11), Georgia Southern (#98), Indiana (#70), Kentucky (#89), Maryland, Middle Tennessee, Notre Dame (#38), UAB, Utah (#12), West Virginia (#94), Wisconsin and Yale make up the 14-team field.
Individually, five competitors are ranked in Clippd'd top 100 in Utah's Sergio Jimenez (#24) and Gabriel Palacios (#37), Notre Dame's Jacob Modleski (#18), Florida's Ian Gilligan (#19) and Jack Turner (#23).
The practice round for competitors is Thursday, and the first round of the tournament is scheduled for Friday with teams teeing off the first and 10th holes beginning at 9 a.m. The second round is slated for Saturday starting at 9 a.m., and the third and final round will begin at 8:30 a.m. Sunday. The trophy ceremony is expected to be at approximately 3 p.m. Sunday.
Georgia Southern is paired with Wisconsin and Notre Dame on the opening day, teeing off on hole #1 from 9:45-10:21 a.m.
The Schenkel is the ninth-longest running men's college golf tournament in the country.
HOST: Georgia Southern University TOURNAMENT: 45th Schenkel Invitational DATES: Fri.-Sun., March 21-23; Practice round on Thurs., March 20 COURSE: Forest Heights Country Club CITY: Statesboro, Ga. SET-UP: Par-72, 7,123 yards / 5 golfers, count 4 (foursomes); 14 teams, 74 total golfers (14 individuals)
FORMAT: 54-hole stroke play – Thursday, practice rounds Friday – 18 holes; 9 am start on holes 1 and 10 Saturday – 18 holes; 9 am start on holes 1 and 10 Sunday – 18 holes; 8:30 am start on holes 1 and 10
Georgia Southern Lineup (scoring average) Parker Claxton (23 rds., 71.35 avg.) Brantley Baker (29 rds., 73.00 avg.) Luke Koenig (14 rds., 75.00 avg.) Hogan Ingram (10 rds., 74.80 avg.) Brycen Jones (23 rds., 72.57 avg.)
Indy Ian Glanton (14 rds., 74.43 avg.) Thomas Horne (12 rds., 74.67 avg.) Pierce Adamson (15 rds., 73.93 avg.) Edouard Cereto (15 rds., 73.40 avg.) Elijah Zamarron (9 rds., 73.11 avg.)
LIVE SCORING: Live scoring through GolfStat
Schenkel Invitational – 2025 Field (14 teams, 74 golfers): Army West Point, Campbell, #11 Florida, Georgia Southern, Indiana, Kentucky, Maryland, Middle Tennessee, #38 Notre Dame, UAB, #12 Utah, West Virginia, Wisconsin and Yale
HISTORY: Now in its 45th year, the Schenkel Invitational is one of the most prestigious tournaments in collegiate golf. Though the official tournament began in 1971, the story begins much earlier than that.
During World War II, the U.S. Army sent a young Chris Schenkel to a language institute at then called Georgia Teachers College in Statesboro, Georgia. Schenkel lived in Sanford Hall overlooking Sweetheart Circle during his nine-month stay, and the Indiana native built a bond with Statesboro that would last a lifetime and serve as the beginning of what would become an annual event in the town.
After the war, Schenkel embarked on a Hall of Fame broadcasting career, one of the most distinguished in the history of the industry. He was the first to cover The Masters on television, the first to anchor a live telecast of the Olympics and the first to call a nationally broadcast college football game. He was inducted into 16 halls of fame and received an Emmy for Lifetime Achievement.
COURSE INFORMATION: Playing at a par-72, 7,123-yard layout, Forest Heights Country Club was originally a 9-hole golf facility opened in 1947. In the early 1960s, the club membership acquired adjoining land and added a second nine. The original course designer was George Cobb. In 1990, Bob Cupp redesigned several holes and made changes to all green complexes. The course has mini Verde Bermuda grass on greens which are in immaculate condition most of the year thanks to our course superintendent, Steve Collins, and his crew.
Thomas & Hutton expands footprint with new satellite office in Statesboro, Georgia
Special to Grice Connecthttps://www.griceconnect.com/local-news/thomas-hutton-expands-footprint-with-new-satellite-office-in-statesboro-georgia-10186220
Thomas & Hutton, a leading provider of civil engineering, surveying, and landscape architecture, is proud to announce the opening of its newest satellite office to Thomas & Hutton’s Savannah region in Statesboro, Georgia. This strategic expansion underscores the firm’s commitment to providing innovative engineering solutions and personalized service to clients throughout the region.The new satellite office, located at 16741 Georgia Hwy 67 South, Suite H, Statesboro, GA 30458, will serve as a hub fo...
Thomas & Hutton, a leading provider of civil engineering, surveying, and landscape architecture, is proud to announce the opening of its newest satellite office to Thomas & Hutton’s Savannah region in Statesboro, Georgia. This strategic expansion underscores the firm’s commitment to providing innovative engineering solutions and personalized service to clients throughout the region.
The new satellite office, located at 16741 Georgia Hwy 67 South, Suite H, Statesboro, GA 30458, will serve as a hub for Thomas & Hutton's growing client base in southeast Georgia. By establishing a local presence in Statesboro, the firm aims to strengthen its relationships with area businesses, municipalities, and development partners while contributing to the region’s economic growth and infrastructure development.
“We are excited to expand our footprint into Statesboro,” said Sam McCachern, President & CEO at Thomas & Hutton. “This new space allows us to better serve our clients in Bulloch County and the surrounding areas while positioning us to support the region’s growth and development. Statesboro is a vibrant and dynamic community, and we look forward to being a part of its continued success.”
Founded in 1946, Thomas & Hutton is a privately held professional services firm with 79 years of experience in creating transformative communities. The firm provides consulting, planning, and engineering design services related to land and infrastructure. With a presence in Georgia, South Carolina, North Carolina, Alabama, and Tennessee, Thomas & Hutton is committed to delivering innovative solutions that shape the built environment.
For more information, visit www.thomasandhutton.com.
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