Find Your Group Insurance Policy with Dufault Insurance Agency

Whether it’s your first time selecting a group health plan, or you’re looking to upgrade your policy with the expansion of your business, we have the tools and resources to get you the best-value, all-encompassing insurance plan available.

Our agency works with top-rated carriers in the industry, meaning we can offer our clients comprehensive coverage. Some of the most popular benefits we provide are:

• Group vision
• Group dental
• Disability insurance
• Accident insurance
• Prescription coverage
• Pension planning
• and more!

In-Depth Group Health Plan Consultations

We understand that small, medium, and large businesses all have different budgets and different needs. That’s why we take the time to get to know our clients during our in-depth, no-obligation consultations.

Instead of offering cookie-cutter solutions that often go to waste, we seek to help companies of all sizes find the tailor-made policy for them that fits in all the right places. Thanks to our firmly established partnerships that span across the area, we’re in a unique position to customize insurance plans. We can even work with multiple providers at once to drive down your premiums and offer a broader range of options to your employees.

Rest assured, we’ll walk you through all definitions, inclusions, exclusions, and terms so that we don’t leave anything to guesswork. Ultimately, we won’t stop working until you’re completely satisfied, and you have a plan that suits your needs, desires, and budget.

Reliable, Affordable Business Health Insurance

We recognize that employers need to strike a balance between benefits and value. That’s why we’ve established working relationships with several reputable insurance companies, so we can offer numerous policies and negotiate rates. Group medical insurance has never been more flexible or affordable.

Personable Insurance Agents

Leading Customer Support

Our team of insurance agents is renowned for their personable approach to customer service. We consider our role twofold: to provide sound, accessible group health insurance plans and to help our clients make the most of them.

That means we’re always available to answer your questions and concerns. You can contact us at any time by phone or email and expect a prompt reply from a knowledgeable and friendly team member. Plus, when your policy term comes to an end, we’ll help you perform stress-free renewals, upgrades, downgrades, or cancellations. The bottom line is, your satisfaction is our priority, so we’ll be here for you when you need us. 

Group Accident Insurance

Protecting employees when the unexpected happens.

Group accident insurance to help cover your employees.

The cost of major medical health insurance is on the rise year after year. It's also increasingly harder to offer employees a robust benefits package. Plans such as group accident insurance are an easy way to add value. Whether paid for by the employer or employee, the end result is financial protection for your employees when an accident occurs.

Group accident insurance adds another layer to your benefits.

No one ever sees an accident coming. However, group accident insurance can help employees with the financial strain that can result from an injury. Millions of people are injured every year and seek medical care as a result. Ambulance charges, emergency room copays, deductibles, co-insurance—the expenses can add up fast.

Lump sum payments can be used for whatever the employee needs.

Group accident insurance plans typically pay out a lump sum when an accident occurs. The amount could be based on the type of injury sustained, the type of treatment rendered, or a combination. The money can be treated by the employee as reimbursement for expenses they incurred. However, they can also use it to pay for additional child care, transportation, or any other needs. The amount paid by the group accident plan is generally paid regardless of the out-of-pocket expenses leftover after health insurance pays.

Additional riders are often available.

Many group accident insurance policies have additional riders available to meet the needs of your population. For example, this can include benefits for when an employee and their family stay accident-free for a period, a wellness benefit for obtaining preventative care, hospital confinement, accidental death and dismemberment, and more.

Increased payouts for child athletes could be possible.

Children may be more prone to accidents than adults. However, children who play sports like football, soccer, lacrosse, and other sports have a higher chance of becoming injured. Many group accident plans include higher benefits for children who are injured while participating in organized sports.

Considering adding group accident insurance coverage to your suite of employee benefits? Contact us today to find out more.

Get Started Today

As an independent agency, we are here to help you find the right Group Accident Insurance coverage.

Group Health Insurance

Health plans for your business.

Group health insurance to help cover your employees.

In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We'll help you navigate the healthcare process so you can hire and retain top talent.

Group Health Insurance

Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company's financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn't have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance

Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees' minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability

Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don't.

Group Dental Coverage

Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees' health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage

Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It's an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage

Risk Factor

Not being able to meet an employee's individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It's a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

• Critical illness, hospital indemnity, and cancer coverage.
• Life, dependent life, short-term, and long-term disability coverage.
• Dental care.
• Vision care.

Compliance Audits

Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

How the costs of coverage are determined.

The costs associated with group health insurance vary depending on where your business is based, how many employees you want to cover, and how old the employees are.

How the Affordable Care Act affects group health insurance.

Since the Affordable Care Act took effect, the medical history and pre-existing conditions of the employees don't matter. Because you're pooling the risk with group health insurance, the price your business pays per employee is usually much less than the average amount they'd pay if they bought insurance individually.

Potential tax benefits available to employers.

Group health insurance also comes with tax benefits. The premiums you pay as an employer are fully tax-deductible. Very small businesses can also get a tax credit worth up to half the cost of the premiums.

Ready to offer group health insurance to your employees? We can help you weigh your options.