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Group Health Insurance

Health plans for your business.

Our Group health insurance Plans & Services provided by Cowell James Forge Insurance Group.

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If you are wanting to implement group health insurance plans, then you have come to the right place. We understand how important it is for you to have a solid employee group health insurance policy and that’s why we will work with you to make sure that yours doesn’t just meet your expectations, but exceed them.

Cowell James Forge Insurance Group isn’t like other group health insurance providers because we customize your policy to meet your every need. On top of this, we will also make sure that our team always provides excellent client service. Want to find out more? Take a look below.

About Our Group Health Insurance Plans

Group health insurance should always be a priority if you are an employer. It’s the second biggest expense for employers with the first being payroll. If you want to make sure that you are getting what you pay for let us help you navigate the process of taking out health insurance.

Some employees may feel as though getting health insurance is a nice bonus, but a lot of the time, it can be seen as being a core part of a compensation package. For a lot of employees, it is just as important as the salary itself. Taking out a policy for group health insurance can be a fantastic way for you to recruit and then retain your staff.

How is the Cost Determined?

The costs that come with your group health insurance will ultimately vary. Cost does depend on where your business is based, how many employees you intend to cover, and how old your employees are. Since the Affordable Care Act came into place, pre-existing conditions no longer matter. You will be pooling the risk when you take out a policy, so the price that your business will pay per employee will usually be much less when compared to if they took out insurance as individuals.

Tax Benefits

If you move forward with a group health insurance plan, it often comes with various tax benefits. The premiums that you pay as an employer will be tax-deductible and smaller businesses can get tax credits, which may well be worth up to half the cost of the premium.

Reduced Sickness

If your team has health insurance coverage, then they won’t have to take as many days off due to illness. Your employees will be able to seek treatment much faster and you may even find that they are able to return to work way faster. This will work in your favor as an employer because your team will be healthier overall and you may find that they are able to feel much more secure financially.

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Employee Benefits
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.


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.


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.

Risk Factor

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


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.


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.


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.


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?


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.

Improved Retention

Another benefit of taking out an insurance plan for your team would be that you’re able to retain and recruit skilled employees. If your candidates know that you have a solid group insurance policy, then they will be much more likely to join your company. This is ideal if you want to make sure that you are showing your team that you value them.

Benefits for Employees

As you can see, having a group policy will also greatly benefit you and your employees. You may find that they have access to medical care and that they no longer need to worry about how they are going to afford to get the help they need. Employees can cut down on the time that they spend off work sick and they may even be able to get coverage for things such as physiotherapy too.

Employers may also choose to add family members to the plan, so it’s not hard to see why policies like this are not only beneficial but in some ways, essential.

If you want to find out more about CJFIG insurance services or if you are interested in seeing how we can help you, get in touch with us today. You can count on our team to give you the guidance and help you need to put together an ideal group health insurance plan!

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