Group health insurance for businesses in Jasper, Indiana
Group health insurance is what we do most. HSM Insurance Group offers Self-Funded, Level-Funded, Fully Insured and ACA plans for businesses of all sizes in Jasper, Dubois County and Southern Indiana. As an independent agency we compare plans from trusted carriers, and we handle the day-to-day work so it doesn’t land on your desk.
Providing quality health insurance for your employees — from the first quote to the questions they have months later.
Providing quality health insurance for your employees
We offer group health insurance plans for businesses of all sizes, and our insurance experts work with you to find the plan that fits your employees and your budget.
At HSM Insurance Group, we understand the importance of providing quality health insurance for your employees. A comprehensive group health insurance plan can not only attract and retain top talent, but it can also improve the overall well-being and productivity of your workforce. That’s why we offer a wide range of group health insurance options for businesses of all sizes.
Our team of insurance experts will work with you to understand your specific needs and help you find a plan that fits your budget and provides the coverage your employees need. We offer traditional group health insurance options such as PPOs, HMOs, as well as more flexible options like self-insured plans.
From traditional options to self-insured plans, we’ve got you covered. Contact us today to see how group health insurance can benefit both your employees and your bottom line.
Talk to us before your renewal
- We compare plans from trusted carriers
- Businesses of all sizes
- Local office in Jasper — we come to you or you come to us
Monday – Friday, 8:00 am – 5:00 pm
Group health for businesses
We offer Self-Funded, Level-Funded, Fully Insured and ACA plans for groups.
Group health insurance is our bread and butter. We specialize in selling a variety of health insurance plans for businesses that best fit their needs. We offer Self-Funded, Level-Funded, Fully Insured, and ACA plans for groups.
Our goal is to take the burden off of the owners or primary contacts who deal with the health insurance, because we know they have enough to focus on as it is.
| Plan type | How it works | Often a fit for |
|---|---|---|
| Fully Insured | You pay a set premium to the carrier, and the carrier takes on the claims risk. | Employers who want predictable monthly costs and the least administration. |
| Level-Funded | You pay a fixed monthly amount that covers expected claims, administration and stop-loss protection. If claims come in lower than expected, there may be money back at the end of the plan year. | Employers who want a predictable monthly payment but would like to benefit from a healthy claims year. |
| Self-Funded | You pay claims as they happen, with stop-loss coverage to cap your exposure. Costs follow your group’s actual claims. | Employers with the size and cash flow to take on more risk in exchange for more control and more data. |
| ACA plans | Group coverage built on plans that meet Affordable Care Act requirements. | Employers who want plans that follow the standard ACA framework. |
Not sure which one fits your group? That’s the conversation we have with every employer we work with. Get in touch and we’ll walk through it together.
We work directly with your employees, not just with you
By permission of each employer, we will gladly work directly with employees no matter the stage of the process we are in.
Collecting applications
We gather what's needed from your employees during the quoting process, so you're not chasing paperwork on top of everything else.
Employee education
When a plan design changes, we explain to your employees what changed and what it means for them.
Claims and questions
Continued direct contact as needed for assistance with claims, questions, or concerns that any employee may have.
What our clients say
Reviews from our Google Business Profile.
Group health insurance questions
What types of group health plans do you offer?
We offer Self-Funded, Level-Funded, Fully Insured and ACA plans for groups.
That includes traditional group health insurance options such as PPOs and HMOs, as well as more flexible options like self-insured plans. Which one fits depends on the size of your group, how much risk you want to carry, and how predictable you need your monthly cost to be.
Will you work with our employees, or only with me?
Is my business too small for a group health plan?
What does an independent agency change for us?
Do you also help our employees with Medicare or life insurance?
Where are you located?
Let's look at your group plan together
Whether you’re putting a plan in place for the first time or your renewal is coming up, we’ll compare your options and tell you straight what we’d do. No obligation.