group Insurance

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We provide the tools and the technology to protect your greatest asset – your employees.
We help businesses of all sizes find the right health insurance policies at the best rates. Then we help them manage their plans with a level of service other insurance agencies can’t match. For instance, we are your HR Director’s and employees’ point of contact. If there’s an issue, we call the insurance company to solve it. We also have an Intranet for clients, where group administrators can post benefits, view links to carriers, and enroll new employees online. Equally important, we give all group administrators access to a Website where they can connect and share insights with other administrators all across the country. There they can also access valuable information on everything from Cobra to health care savings accounts, payroll stuffers to benefit flyers.

Let us help you choose the option that best for your business:

  • PPO (Preferred Provider Organization) ) - a form of managed care in which you have more flexibility in choosing physicians and other providers than in an HMO. You can see both participating and non-participating providers, but your out-of-pocket expenses will be lower if you see participating providers.
  • HMO (Health Maintenance Organization) - a form of managed care in which you receive all your care from participating providers. You usually must obtain a referral from your primary care physician (PCP) before you can see a specialist.
  • POS (Point-of-Service Plan)) - a form of managed care plan in which primary care physicians coordinate patient care but there is more flexibility in choosing doctors and hospitals than an HMO.
  • High Deductible Health Plan- a plan that provides comprehensive coverage for high-cost medical events. It features a high deductible and an annual limit on out-of-pocket expenses. This type of plan is usually coupled with a health spending account (FSA) or a health savings account (HSA).
  • Health Savings Account (HSA)- an account established by an employee or an employer to save money toward medical expenses on a tax-free basis. Any balance remaining at the end of the year rolls over to the next year. Your HSA account is portable; the funds remain with you regardless of employment.
  • Health Reimbursement Account (HRA)) - an account established by an employer to pay for an employee's medical expenses. Only the employer can contribute to a health reimbursement account. It can save the employer money on employee provided health benefits.
  • Flexible Spending Account (FSA) - employees use pre-tax dollars to set-up these accounts and draw on them to pay for qualified medical expenses during the year. Unused amounts are forfeited at the end of the year.
Securities offered through GF Investment Services, LLC. Member FINRA / SIPC
2080 Ringling Boulevard, Third Floor, Sarasota, Florida, 34237. Phone: 941-441-1902
Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor.
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