Group Insurance - Insurance Hawk

Employee benefits for your business

From health insurance to tax-advantaged accounts, we’ll help you provide the best benefits for your team.

Why business owners choose us

Custom Solutions

Tailored benefits for businesses of any size—get exactly what your team needs without overspending.

Simplified Process

We take care of the details so you can focus on your business, not the paperwork.

Stronger Teams

Attract and keep top talent with competitive benefits that show you value your employees.

Comprehensive coverage options

Health Insurance

Comprehensive coverage to keep your employees healthy and protected, with customizable plans to fit your business's needs.

Tax-Advantaged Accounts

Save on taxes while offering benefits like Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to help employees manage healthcare expenses.

Supplemental Insurance

Expand your employee benefits with options like dental, vision, life insurance, and protection for unexpected events such as accidents or critical illnesses.

Solutions for every company size

Family Businesses

Small Groups

Mid-Size Groups

Large Groups

Types of Group Insurance:

Fully Insured

These plans are ACA compliant which means they must provide coverage immediately with no waiting periods, and preexisting conditions are excluded. These rates are firm and there may be a price break with more eligible employees participating. This is because the insurance risk is pooled and the law of large numbers allows for more risk to be spread across more people v one person bearing it all. Many hands make light work.

Level-funded

This is a more recent trend in the Employer Benefits Group space that allows a Group, regardless of the size, to win back some of their premium. These plans are fully insured against any major claims; however, if the claims experience for the year is less than anticipated by the insurance company, the employer is eligible for a rebate or premium savings on their future bill. This is very attractive to groups that are generally healthy and expect to stay that way. For Groups under 50 lives, these plans are underwritten and the prices offered are preliminary; however, if the underwriting is favorable, the rates may be lower than the initial offering. On the flip side, the rates can be more expensive than the preliminary offering if the underwriting finds more risk.

HMO networks

These are usually more restrictive in the access provided because most all decisions are run through a primary care physician in the event that a specialist is needed. You are encouraged to use in-network doctors, facilities and hospitals while not doing so could cause increased out of pocket costs or certain coverage being denied. That is because out of network benefits are not covered under HMOs. This is a great option if the network is large and there are good hospitals in the area.

PPO networks

These are more accessible and the freedom of choice is available to you. There are no referrals needed to see a specialist and you have the option of leaving the network and going out of network. Out of network benefits are covered under PPO plans.