Group Coverage
Strengthening El Paso Businesses with Group Benefits
More Than Just Insurance—It’s About Your Team
As a business owner, you wear incredibly many hats. You are the CEO, the marketing director, the operations manager, and often the problem-solver-in-chief. But perhaps the most important role you play is that of a leader to your employees. In today’s competitive job market, specifically right here in El Paso, attracting and retaining top talent requires more than just a competitive salary. It requires a culture that says, “We care about you and your family.” This is where a robust group coverage plan becomes your secret weapon.
I view group benefits not merely as a line item on a budget, but as an investment in the human capital that drives your business forward. When your employees feel secure—knowing they can see a doctor when they are sick or that their family is protected—they are more loyal, more productive, and more engaged. I am here to help you build a benefits package that reflects the values of your company and meets the diverse needs of your workforce.
Navigating the Complexity for You
I know that the world of health insurance and employee benefits can be a headache. The regulations change constantly, premiums fluctuate, and the jargon can be confusing. My job is to take that burden off your shoulders. I act as an extension of your business, effectively serving as your benefits consultant. I will do the heavy lifting of researching carriers, comparing plans, and negotiating rates so that you can focus on running your business.
We will start by analyzing your current employee demographics. A startup with young, single professionals has different needs than a multi-generational family business. I don’t believe in cookie-cutter solutions. We will look at a variety of options, from traditional copay plans to high-deductible plans with Health Savings Accounts (HSAs), finding the sweet spot that balances quality coverage with affordability for both you and your team.
Comprehensive Care: Beyond Medical
While health insurance is the cornerstone of group coverage, a truly competitive benefits package goes deeper. I help clients explore ancillary benefits that add tremendous value often at a low cost. This includes dental and vision insurance, which are consistently ranked as highly desired perks by employees. We can also look at group life insurance and group disability income protection.
Offering these additional layers of security shows your team that you are thinking about their holistic well-being. For example, providing group life insurance gives your employees peace of mind knowing their loved ones would have some immediate financial support in a tragedy. These “small” additions can make a massive difference in how your employees perceive their compensation package.
Simplifying Administration and Enrollment
One of the biggest fears business owners have regarding group coverage is the administrative nightmare. I am here to streamline that process. From the initial setup to the annual open enrollment, I guide you and your employees through every step. I am available to hold educational meetings with your staff to explain their benefits in plain, friendly language. I want them to understand what they are getting and how to use it.
When an employee has a claim issue or a question about their network, they don’t have to bother you—they can call me. I pride myself on being a responsive resource for your team. This allows you to step back from the HR minutiae and trust that your people are being taken care of with the same level of care you would provide yourself.
The Business Case for Better Benefits
Let’s talk frankly about the bottom line. I understand that cost is a major factor for any business in El Paso. However, we also need to look at the hidden costs of not having good coverage: high turnover rates, increased absenteeism, and the time and money spent recruiting and training new staff. A solid group plan acts as a retention tool. It anchors your best people to your organization.
Furthermore, there are often significant tax advantages to offering group health insurance. Employer contributions are generally 100% tax-deductible as a business expense, and employees pay their portion with pre-tax dollars, which lowers your payroll taxes. We will structure your plan to maximize these financial efficiencies, making the “expense” much more palatable when you view the total financial picture.
A Partner for Your Growing Business
As your business grows, your needs will change. What works for a team of five might not work for a team of fifty. I am committed to being a long-term partner in your success. We will conduct annual reviews of your plan to ensure it is still competitive and cost-effective. If the rates spike, I will be proactive in shopping the market to find you a better deal without sacrificing quality.
I love seeing El Paso businesses thrive. By taking care of the people who work for you, you are building a stronger company and a stronger community. Let’s sit down and design a group coverage strategy that makes your business the place everyone wants to work.