Employer Group Benefits

Are you a small business with at least one employee or are you self-employed and looking to hire future employees and provide benefits for yourself, your family, and your new employees? Whether you are just now looking to hire employees for the first time or begin offering insurance to new or long-time employees, CB Health Insurance can help!

We can help you navigate the rules - what is required by both the federal and state laws, as well as what is required by the various insurance carriers.  Since the implementation of the ACA laws in 2014 for small group and individual policies, the rules have changed like the whether in Chicago, and keeping up can be a full-time job!   But you can rest assured that the staff at CB Health can assist with all your questions.

Insurance we offer:

Health/Medical Insurance

Building a successful business is enough hard work, without the added headache of finding affordable, quality health insurance.

Whether you're just starting out or own a small business with multiple employees, you're going to need help finding and securing health coverage.

Learn more by following the links below:

Dental Insurance

Similar to health insurance plans, Group Dental Plans can be offered with a PPO network, HMO network, or Traditional insurance (no network - you can go to ANY dentist).

Learn more by following the links below:

One very important benefit you will want to put in place for all your Employer Sponsored Group insurance plans is a  P.O.P (Premium Only Plan).  This plan allows an Employer to offer their Employees a way to pay their share of benefits before taxes, saving the Company on FUTA/FICA taxes! 

NOTE: Premium Only Plans are not insurance, but a tax-benefit for Employees that will allow them to play their portion of ANY premium - for medical, dental, and vision - on a Pre-Tax Basis.

Click the button below to know more!  

As a business owner, you take calculated risks everyday in order keep your business thriving. But what about the risks you haven't considered? Group health insurance for your employees is an excellent way to offer a needed benefit to employees (which is required by law for Employees to purchase in absence of having a group medical plan through their employer), and is a tax-deductible benefit to your company. It is also an excellent way to retain great employees and recruit excellent talent. Employees search not only for a good salary but for a benefit package that will protect them and their families. By providing this basic coverage, employees will be happy and you can concentrate on profits and growing the business instead of losing key employees to competitors.

Regardless of what industry you work in, a group Benefits package can protect you in a host of ways, including:

• Making sure Employees have the needed insurance required by law
• Ensuring that Employees will have needed coverage should they get sick or injured
• Offering additional perks such as dental, vision, and flexible spending accounts that can all be funded by employees and deducted from payroll BEFORE tax, saving you on the FUTA/FICA match.

The costs associated with offering a group medical plan can vary greatly depending on if you go the traditional, fully-insured route, or offer more minimal coverage that still meets the ACA requirements. (For companies looking to meet the minimum requirements set by law, a plan can be put in place for under $100/month per employee - ask for more information by emailing Cathy direct at:

• Email: cathy@cbhealthinsurance.com.
• Subject line enter: Send minimum requirement product to meet ACA requirements.

NOTE: this is not recommended as a replacement for a fully-insured plan. However, it is best suited for groups that currently offer NO health insurance benefits to employees and would like to comply with the law and possibly avoid the Employer Tax Penalty.)