Group Employee Benefits | McKenzie Insurance

Personalized Group Health Benefit Plans

Choosing healthcare options for your business doesn’t have to be complicated. At McKenzie Group Insurance, we work with you to create personalized health plans that align with your budget, support your goals, and provide meaningful benefits for your employees. We work with all the major insurance carriers to create tailored solutions to optimize coverage and budget.

Insurance Group Plan Options

Choosing the right insurance plan for your group is essential for both financial stability and employee satisfaction. With costs on the rise, understanding the differences between self-funded and level-funded insurance options can be a game changer. Each type of plan has unique advantages and pitfalls that can impact your organization's culture and bottomline.

Self-Funded Insurance Plans

Self-funded insurance plans let employers pay for their employees' health care costs directly instead of depending on a traditional insurance policy. This arrangement can lead to more flexibility and significant cost savings.

Level-Funded Insurance Plans

Level-funded insurance plans blend aspects of fully insured and self-funded plans. Employers pay a fixed monthly amount that covers expected claims, administrative costs, and stop-loss insurance.

Types of Coverage Available for Employees

Medical Insurance

Accidents and illnesses can happen to anyone at any time. Medical / Health Insurance plans covers preventative care, and a portion of any urgent medical costs. The policy type structures how much the policyholder pays via copays, deductibles, and coinsurance pending the details of the policy itself, with specific rules and regulations that apply to some plans.

Vision Insurance

Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists. Vision insurance is generally considered supplemental insurance, which means that consumers generally buy vision insurance in addition to other types of medical insurance policies.

Dental Insurance

Dental coverage is critical to help you ensure the health of your teeth and gums. Dental insurance coverage typically helps pay for three areas of dental care: preventive, basic and major services.