Group Insurance

Group

Here at Cosey Insurance Services we strive to find the right insurance benefits to meet your small business & large business needs. Cosey Insurance Services is an Independent Agency, meaning that we can quote through most carriers in all lines of coverage. Lines of Coverage offered through Cosey Insurance Services are…

Contact us! We will be happy to quote Small and Large Group Benefits Now!

Medical

Whether needing a low deductible medical plan or a high deductible health plan that meets the new ACA guidelines, Cosey Insurance Agents can point you in the right direction to find the best medical insurance plan to meet company needs. Many times large businesses & small businesses have the option to provide several medical plans that allows the employee to choose which health plan is right for them and their family while trying to stay in budget. Our job, here at Cosey Insurance Services, is to find the best options for your business, & then to serve you & guide you in these choices.

What are you as a business required to offer employees under the new Affordable Care Act? Is a High Deductible Plan with an optional Indemnity Plan to fill the deductible Gap the right option for your business? Should your company choose an HSA, HRA, or other Self-Funded Plan? These are a few of the questions our friendly, experienced staff will be happy to help you answer.

Vision

It is said that eyes are the window to the soul. Now they have discovered they can first detect many medical issues through eyes, including diabetes. It is important to protect the health of our eyes and vision. Cosey Insurance services can quote many different vision plans with a wide range of providers to meet your employee vision needs.

Life

Are your loved ones covered if the unthinkable were to happen to you? To your employee? If your employees are like most families, your family and their family depends on that income for a comfortable lifestyle and for the resources needed to make their needs and dreams, like a college education, a reality.  With life insurance you can ensure their well-being and dreams can continue if the worst were to happen.  

Company Group Life Insurance is a way for many employees to purchase life insurance through their place of employment at a fraction of the cost it may be to purchase this benefit as an individual. It also allows individual employees who, due to health conditions, could not get life insurance elsewhere, have the option to protect their families by purchasing guaranteed issue life policies through their place of employment.

Dental

Cosey Insurance Services can help provide a group stand-alone dental plan or a group combined medical, dental plan. There are a variety of dental plans that cover everything from the basic dental procedures, to major procedures, to orthodontics. Our goal is to help your growing business find a plan that has the best providers for your area, the right benefits to meet employer and employee needs, and the most competitive prices for those needs.

TeleDoc

TeleDoc is the wave of the medical future. Do you have to sit in a doctor’s office for hours awaiting your appointment? Do you have to miss work while you or your child wait to be seen? TeleDoc is just that, a 24/7 Tele Medicine service where you may phone a doctor from anywhere in the country and receive medical consultation. There are no co-pays and no waiting in the physician’s office. TeleDoc uses your electronic health records and connects you with a certified doctor via phone, or online video to consult with.

TeleDoc is not tied to your company’s health plan. Therefore it is a standalone plan that your business may start at any time. Please see the link for more TeleDoc information. We will be happy to discuss implementing TeleDoc with your business.

Short Term Disability (STD) / Long Term Disability (LTD)

Cosey Insurance can provide business with opportunities to protect their greatest assets, the employees, by offering their employees Short Term Disability & Long Term Disability. Short term disability insurance replaces a portion of employee income on a weekly basis if a non-occupational injury or illness forces an employee out of work for an extended period of time. Long Term Disability replaces a portion of employee income on a monthly basis if the non-occupational injury forces an employee out of work once the short term disability time frame has been met. A disabling injury or illness that keeps you or an employee out of work could have a devastating impact on your business & employee income, jeopardizing your ability to cover normal business and/or household expenses.  With the right disability insurance, income is protected, relieving employers & employees of the anxiety of depleting their savings to pay bills.

Here at Cosey Insurance Services our staff will assist in providing your small or large business the best Insurance plans to meet your company needs at the best cost to you and your employees. Cosey staff will provide support and education on benefits to you and your employee. If an employee is not happy with our services than your business will not be either. Please contact our dedicated staff today!

Here at Cosey Insurance Services our staff will assist in providing your small or large business the best Insurance plans to meet your company needs at the best cost to you and your employees. Cosey staff will provide support and education on benefits to you and your employee. If an employee is not happy with our services than your business will not be either. Please contact our dedicated staff today!