Your modern insurance partner: Securing your future.
Customer Support: info@hoyer55.com
Call to Expert: +1 410 562 46 60
Together, we’re covered
Our coverage options are flexible and comprehensive, ensuring that your employees and their families receive the best possible care and financial security
We believe that a healthy, secure workforce is the foundation for business success. Our Group Coverage Insurance plans are designed to reduce health risks, provide financial security in times of need, and enhance employee satisfaction. With a range of benefits including medical, dental, vision, and life insurance, Hoyer55 provides peace of mind, knowing your employees are covered for whatever the future may hold.
At Hoyer55, we are committed to offering affordable and reliable insurance solutions that fit the unique needs of your business. Whether you’re a small startup or a large corporation, our plans are scalable and can be customized to suit your workforce’s specific requirements. We work closely with you to ensure that your team’s health and well-being are prioritized, so you can focus on what matters most – growing your business.
Our Services
Comprehensive Group Coverage
Our group policies are designed to meet the diverse needs of your workforce. We offer customizable plans that provide essential coverage for health, life, and disability insurance, ensuring that your employees feel secure and valued. By choosing Hoyer Insurance, businesses receive the advantage of bulk pricing while maintaining flexibility in their benefits offerings.
Expert Guidance and Support
Navigating the complexities of group insurance can be daunting. That's where our team at Hoyer Insurance steps in. We offer expert guidance tailored to your unique business needs, ensuring you choose the right policies for your employees. Plus, our ongoing support means you have a partner every step of the way, from enrollment to claims assistance.
Impact Health Sharing
And HELLO to affordable, high-quality care that prioritizes your well-being and empowers you to take control of your health-care journey.
Impact Health Sharing is changing the way we think about healthcare through the modern approach of healthcare sharing. Impact Health Sharing was founded with the goal to have health care become obtainable for those in need. Impact Health Sharing was made with the direct selling IBOs, dream chasers, and solopreneurs in mind.
Frequently Asked Questions
Find the answers here and get reassurance about Group Coverage insurance.
1. What is Group Coverage insurance?
Group coverage insurance is a type of health or life insurance that is provided to a group of people, typically employees of a company, members of an organization, or a family. The insurance plan is usually offered by the employer or organization, and the premiums are often shared between the employer and the employees. This type of coverage often comes with lower premiums and broader benefits compared to individual insurance plans.
2. Who is eligible for Group Coverage insurance?
Eligibility for group coverage insurance generally depends on the specific terms set by the employer or organization offering the plan. Typically, employees of a company, members of an association, or those part of a specific group (e.g., union or professional group) can qualify. Eligibility can vary by employment status (full-time or part-time), length of employment, and other factors defined by the insurance provider.
3. What are the benefits of Group Coverage insurance?
Group coverage insurance offers numerous benefits, including:
- Lower premiums: Because the risk is spread across a group, the cost per individual is often lower.
- Comprehensive coverage: Group plans typically offer a broad range of coverage options, such as medical, dental, vision, and life insurance.
- No medical exams: Many group plans do not require health screenings or medical exams for enrollment.
- Access to better benefits: Group plans may offer more extensive coverage options than individual plans.
- Convenient payroll deductions: Premiums are often automatically deducted from paychecks, making payment easy and automatic.
4. Can I customize my Group Coverage plan?
Yes, in many cases, group coverage plans can be customized to some extent. Employers or organizations may offer various coverage options or packages, allowing employees to choose additional benefits or adjust the level of coverage according to their needs. Some plans may offer add-ons such as supplemental life insurance, dental, or vision coverage, which can be selected based on individual preferences.
5. What happens to my coverage if I leave the group?
If you leave the group (e.g., change jobs, retire, or stop being a member of the organization), your group coverage typically ends. However, many employers or insurance providers offer the option to convert to an individual policy, or you may be eligible for a continuation of coverage under laws like COBRA (in the U.S.). COBRA allows individuals to maintain their group insurance for a certain period (usually up to 18 months) after leaving the group, though you would generally be responsible for the entire premium.
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