Group Ancillary in Brighton, MI

Group ancillary insurance is an essential component of a comprehensive employee benefits package. It offers additional coverage beyond primary health insurance, enhancing employees’ overall well-being and satisfaction.

What Is Group Ancillary Insurance?

Group ancillary insurance, sometimes referred to as ancillary benefits, typically refers to supplementary insurance policies offered to employees alongside their primary health insurance. These policies cover a range of services and benefits that are not typically included in standard health plans. Ancillary insurance can consist of dental, vision, life, disability and other specialized coverages, providing a more holistic approach to employee health and financial security.

What Do Ancillary Benefits Cover?

Group ancillary insurance covers various services and benefits that support employees’ overall health and well-being. Common types of ancillary insurance include:

• Dental insurance may cover routine check-ups, cleanings, fillings and major dental procedures.

• Vision insurance may include coverage for eye exams, glasses, contact lenses and sometimes corrective surgeries.

• Life insurance may provide financial support to beneficiaries in the event of an employee’s death.

• Disability insurance may offer income replacement for employees unable to work due to illness or injury.

• Critical illness insurance may cover expenses related to severe illnesses such as cancer or heart disease.

Why Should My Company Offer Ancillary Coverage?

Offering group ancillary insurance can significantly benefit both employers and employees. For employers, it may enhance the attractiveness of the benefits package, aiding in the recruitment and retention of top talent. Employees may appreciate the added security and support, leading to increased job satisfaction and productivity. Additionally, ancillary insurance can reduce absenteeism by promoting preventive care and early treatment of health issues.

How Much Does Ancillary Insurance Cost?

Several factors influence the cost of group ancillary insurance, including the following:

• Group size—Larger groups often receive lower rates due to the spread of risk.

• Coverage levels—More comprehensive coverage options typically come with higher premiums.

• Employee demographics—Age, gender and overall health of the employee population can impact costs.

• Plan design—Customizable features and optional add-ons can affect the overall cost.

We’re Here to Help

Contact Active Insurance in Brighton, Michigan, today to learn more about group ancillary coverage options.