Group health insurance.
For the people
behind your business.
A health benefits decision touches your team and your budget. Talk with CPIS about employer-sponsored coverage and the choices that matter to your business.
Start with your business, employee count, and renewal date. Please leave medical details out of the initial inquiry.
Make your benefits conversation specific to your team.
Group health insurance provides medical coverage to eligible employees through an employer-sponsored plan. Available options depend on the group, employee locations, and the plans available in the relevant service areas.
- Introducing health benefits for the first time
- Reviewing an upcoming renewal
- Reconsidering employer and employee contributions
- Understanding plan choices as your team changes
Group-size, employee-eligibility, participation, and contribution requirements can vary by market and plan. Review the rules that apply before selecting coverage.
Look beyond the monthly premium.
Use the Summary of Benefits and Coverage, plan documents, provider directory, and drug list to compare the actual options.
Doctors & hospitals
Review the exact provider network and service area. HMO, PPO, and other plan designs can differ in referrals, access to specialists, and out-of-network benefits.
Employee cost sharing
Compare deductibles, copayments, coinsurance, and out-of-pocket limits. A lower premium can come with different costs when employees receive care.
Services & prescriptions
Look at office visits, preventive care, hospital services, and prescription coverage. Check the plan’s benefits, covered-drug list, and any applicable approval requirements.
Enrollment & dependents
Discuss who may enroll, dependent options, enrollment deadlines, effective dates, and the documents required to establish the group.
Plan availability and provider participation can change. Verify important doctors, facilities, and prescriptions against the specific plan before enrollment.
Review the employer contribution and the employee experience together.
Your contribution helps shape what employees pay toward premiums. Review the proposed monthly employer cost alongside employee deductions and the plan’s cost-sharing features.
Have your current benefit summary, contribution approach, and renewal proposal ready. If you are starting fresh, describe the budget and priorities you want to explore.
Prepare for your first conversation →Bring the basics.
Start the discussion.
Select Other / Not sure on our quote form and mention Group Health Insurance. Include a brief business description and the date you would like to review.
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Your business & workforce
Business location, approximate employee count, employee work locations, and whether you currently offer health insurance.
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Your current benefits
Existing plan summaries, renewal date, employer contributions, and any changes you want to discuss.
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Your timing & priorities
Target start date, budget considerations, network preferences, and questions about enrollment. Do not send medical histories or Social Security numbers through the public inquiry form.
Questions employers ask.
Review the details of your group and the actual plan documents before making a benefits decision.
Can a small business explore group health coverage?
Yes. Eligibility depends on the applicable group market and program, including employee and business requirements. Share your employee count and ownership structure so the relevant rules can be reviewed.
How is group coverage different from individual insurance?
Group coverage is arranged through an employer for eligible employees. Individual coverage is purchased by an individual or household. Eligibility, enrollment, and contribution arrangements differ, so discuss the approach that fits your situation.
Can employees keep their current doctors?
That depends on the specific plan’s network. Check each important doctor, hospital, or medical group against the exact product under consideration. A familiar insurer name does not establish that every plan uses the same network.
When can our business start a plan?
Employer-group enrollment can differ from individual-market open enrollment. Available start dates depend on the group, plan, application deadlines, and completed enrollment requirements. Confirm the effective date before changing existing coverage.
Are dental and vision automatically included?
Do not assume adult dental or routine vision benefits are included in medical coverage. They can be separate benefit options. Review the medical plan’s details and discuss additional benefits for your employees.
Does submitting the form enroll our employees?
No. It starts an inquiry. Applications, eligibility checks, enrollment documents, and other requirements may follow. Coverage begins only when the insurer or health plan confirms enrollment and the effective date.
Take the next step for your team.
Tell us where your business is today and what you want to explore for employee health benefits.