Small Group Plans
BenZen Insurance specializes in benefit solutions for growing teams of 2 to 20 employees.
We make it easy, so you can get back to business.
- Online Enrollment: 100% online onboarding and renewals. No “lunch & learns” or workday distractions.
- Employee Consultations: 1-on-1 consultations so your business doesn’t skip a beat.
- HR Support & Compliance: Guidance and administrative support to keep your business protected.
Licensed for Small Group Benefits in: GA, MD, PA, VA
Start A Quote
We offer Fully-Insured and Level-Funded plans to balance your budget with the overall health of your team.
Understanding the difference is the first step toward significant savings.
Read: “Fully Insured vs. Level-Funded: Which is Best for My Business?”
Compare Your Options
We can send you a preliminary quote based on your location, industry and headcount.
To get an estimate, enter your team roster below as shown or upload a current census.
Example:
- Employee #1 – male, age 35
- Employee #2 – male, age 40 + spouse, age 40
- Employee #3 – female, age 30 + child, age 5
No Hassle Benefits
We don’t do cold calls or “lunch and learns” that cost your business time and money.
Our approach is built for speed — getting your team covered and back to work.
- No Group Meetings: We never pull your team off the clock for mandatory presentations.
- 100% Digital: Paperless, mobile-friendly enrollment that employees complete on their own time.
- Direct Support: We consult 1-on-1 with your staff so you don’t have to.
Small Business Health Options
We provide a full suite of benefits from top-rated providers, tailored specifically for your budget:
- Health Insurance: Access traditional Fully-Insured Plans and modern Level-Funded plans.
- Dental & Vision: Premium “perks” to help you attract and retain top talent.
- Life & Disability: Essential financial protection for your team’s future.
Which Plan Is Best?
When considering employer-sponsored health plans, you have two main options.
Fully-Insured and Level-Funded plans to provide the best balance of protection and savings.
To better understand how these plans work read this comparison:
Read: “Which funding type is the right fit for small employers?”
Fully-Insured Plans
The Industry Standard. You pay a fixed monthly premium, and the carrier assumes all financial risk for medical claims.
- Best for: Businesses that want zero financial surprises and a “hands-off” administrative approach.
- The Reality: The carrier keeps any surplus if your team stays healthy.
Pros & Cons:
- Pros: Guaranteed fixed monthly costs; no extra liability if a “large claim” occurs; simple administration.
- Cons: Higher overall premiums; no potential for a refund; very little data on what is actually driving your costs.
Level-Funded Plans
The Modern Hybrid. You pay a fixed monthly amount, but if claims are lower than expected, you could receive a surplus refund.
- Best for: Healthy teams looking for cost transparency and significant savings.
- The Benefit: You get the predictability of a fixed cost with the financial upside of a refund.
Pros & Cons:
- Pros: Lower premium. Limited liability. Potential for refund.
- Cons: Requires a health questionnaire for each employee.
Choosing the right plan depends on how you want to manage risk and the overall health of your team.
Are You Ready?
We make it easy to get your team covered and back to work.
- Growing Teams: Specializing in smaller groups from 2 to 20 employees
- 100% Digital: Paperless, mobile enrollment with zero “workday time killers.”
- Zero Group Meetings: We never pull your team off the clock for presentations.
- Direct Support: We consult 1-on-1 with your staff so you don’t have to.
Get a sample quote today with no obligation!
Licensed for Small Group Benefits in: GA, MD, PA, VA