SMALL BUSINESS BENEFITS
Medical Insurance
HGI offers companies a variety of medical options. From fully insured HMO ( Health Maintenance Organization) and PPO ( Preferred Provider Organization) plans to Self-Insured Medical Plans along with Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
HGI is licensed with the top medical Insurers and works with them closely to ensure your company’s medical needs are best met based on your needs and budget.
Dental Insurance
We offer companies a variety of dental options through top dental insurers.
Dental insurance plans include coverage for Basic, Major, Restorative and Orthodontics. HGI works with you and the insurer to develop a customized dental insurance plan that will best suit the unique needs of your company.
Group Life and Disability
Group life Insurance offers your employees term life insurance coverage, usually in increments of salary. This is a low cost benefit that most employers contribute to and offers security for families of employees.
Group Disability coverage offers employees the ability to secure their most critical benefit, their ability to earn a livelihood.
HGI will assist in designing a custom plan to cover the employee in an event of disability. Plans can commence coverage from the 1st day of an accident all the way up to age 65.
Individual Insurance
Life insurance Term and Permanent · Disability · Key Man · Buy Sell