As a business owner, it sometimes feels like there is never enough time in the day to get everything done that you want to. Why spend your valuable time searching and analyzing insurance quotes when The Legacy Group can do it for you? With our guidance and expert advice, you can pick from the best options for your business situation. We offer traditional health plans such as HMO’s and PPO’s, as well as cost saving Health Savings Accounts and Health Reimbursement Arrangements. Looking to offer a full benefits package? Dental, vision, life and disability coverage is also available.
No matter what size and type of business you are running, The Legacy Group can help assess your situation and create new strategies to fit your budget and employee needs.
WHAT PLANS DO WE OFFER?
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Traditional Health Plans
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Health Savings Accounts (HSA)
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Health Reimbursement Arrangements (HRA)
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Dental, Vision, Life and Disability
Traditional health insurance is generally the most flexible type of health plan. It allows you to choose any doctor you want to and see specialists without getting approval from a "primary care physician" or "gatekeeper" first. Traditional plans are often, (but not always), subject to deductibles and co-insurance as a way of “cost sharing” until you reach an out of pocket maximum at which point, you are covered at 100%.
HSA is an acronym for Health Savings Account. An HSA is a savings account set up to be used for medical expenses and nothing else. Funds directed to the HSA are pretax dollars, thus reducing taxable income, and HSA's offer interest on the balance. The medical expenses and HSA can be used for include optical, insurance deductions, dental and some over-the-counter medications. HSA's can be very efficiently used in conjunction with a high deductible health insurance policy. Any amount remaining in an HSA at the end of the year is not forfeited but remains in the account for later use.
(HRA)
HRAs are employer-funded plans that reimburse employees for incurred medical expenses that are not covered by the company's standard insurance plan. Because the employer funds the plan, any distributions are considered tax deductible (to the employer). Reimbursement dollars received by the employee are generally tax free.
Dental, Vision, Life and Disability insurance coverage(s) are considered ancillary products and are often perceived as “added bonuses” if a company chooses to offer these benefits to their employees. Unlike health insurance, there is not set amount that an employer would have to contribute to the monthly premiums.
Still have more questions?
View our FAQ's Page
Call us for more information at 1.866.543.0534
Let us put all of the guesswork to the side as we work with you to tailor a business insurance plan that suits your needs and is fiscally mindful. Our collection of property, casualty and life products can be tailored to meet the specific needs of your business and help you defend against a disaster or the daily risks that are associated with running your business. We can implement a preparedness plan for your company and review your insurance coverage options to make sure you're covered. 
