Health and Medical Insurance, Employee Benefits Package, Small Business Health, Group Health, and Medicare Insurance In Fort Collins, Loveland, Greeley, Longmont, Windsor, CO and the Surrounding Areas of Northern Colorado
Experienced Colorado Insurance Broker
for Top-Notch Employee Benefits Insurance
Volk Insurance Benefits offers top health and medical insurance benefits for businesses and individuals in Fort Collins, Loveland, Greeley, Longmont, Windsor, CO, and the surrounding areas.
It is our pleasure to simplify our clients’ lives by coordinating health insurance strategies and optimizing products, including group health benefits. Our popular small business health insurance and employer-sponsored benefits also provide excellent service and value.
Explore Group Insurance
Most Americans participate in their own or a family member’s employer-provided health insurance plan for coverage. The cost of group health insurance is typically lower than for individual health insurance plans, which is part of the appeal. The employer pays part of the premium on the employee’s behalf.
The Affordable Care Act requires employers with more than fifty employees to provide health insurance. However, many smaller companies voluntarily provide it for their employees. The specialists at Volk Insurance Benefits work with employers to create group health insurance benefits packages that:
- Ensure ERISA compliance
- Maximize ARPA benefits
- Attract and retain top employees, and
- Compliment a company’s financial goals
Why are Employee Benefits
essential to any business?
Companies that offer a reliable employee benefits package find it easier to attract talented applicants. In addition to general health coverage, employee benefits may include dental, vision, life, short-term disability, and long-term disability coverage.
Employees also appreciate the opportunity to pay extra for enhanced benefits that personalize their care needs.
Employee Benefits
Do You Need Affordable
Small Business Health Insurance?
Businesses with fewer than fifty employees don’t have to offer employee benefits. However, it often makes business sense to provide these basic benefits for employees.
Federal HIPAA law and the Affordable Care Act mandate that insurance companies have to offer small employers the opportunity to buy into group coverage, and our agents are happy to discuss the many benefits with any business owners who would like to explore these options.
Small BusinessExceptional Individual Health Insurance
An individual health insurance plan either covers the individual or provides benefits to their family members. There are many reasons for purchasing individual plans, including unemployment or an employer not offering health insurance. Employer insurance may also be too expensive, and Volk Insurance Benefits can assist individuals in finding a plan that helps them maintain their health and handle medical costs.
The team at Volk Insurance Benefits also offers Health Savings Accounts assistance for employees who want to avoid taxation on medical expenses. The COBRA health insurance plans cover recent employees between jobs, and Medicare Advantage and Medicare Supplement insurance offer other options.
You may already have insurance, either through your employer, or on your own. We have additional insurance options if you’re shopping for a little more coverage. Our agents will work with you for all of your medical insurance needs, including: Dental, Vision, Critical Illness, Disability, Accident, Life Insurance, International Travel, and more.
Individual Insurance
More about the Employee Retirement Income Security Act of 1974 (ERISA)
The team at Volk Insurance Benefits also complies with ERISA. ERISA protects the interests of employee benefit plan participants and their beneficiaries. It requires plan sponsors to provide plan information to participants. It establishes standards of conduct for plan managers and other fiduciaries. It establishes enforcement provisions to ensure that plan funds are protected and that qualifying participants receive their benefits, even if a company goes bankrupt.
Volk Insurance Benefits has over thirty years of experience at its disposal and proudly offers businesses and individuals the insurance they need at the most competitive prices in the Northern Colorado and Southern WY regions.
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