Frequently Asked Questions

Offering group health insurance helps employers attract and retain top talent, strengthen employee loyalty, and boost morale and productivity by supporting a healthier workforce. 

Employer contributions are typically tax-deductible, and group purchasing power gives businesses access to better rates and plan options than employees could secure on their own.

To prepare a quote, we’ll need a few basics about your company, such as:

• The number of eligible employees and whether you currently offer coverage
• A simple employee census including:
  • Age
  • Gender
  • ZIP code

Depending on the type of plan you choose, we may request additional details. But you don’t need to gather everything alone. We’ll guide you step by step through the process to ensure your experience is as stress-free as possible.

We start by shopping multiple carriers and presenting side-by-side comparisons so you can see the differences in cost, coverage, and value at a glance. From there, we’ll walk you through plan types like level-funded options, HSAs, or innovative PPO solutions when they fit your goals. 

During renewal periods, we also advocate on your behalf with carriers to keep rates as competitive as possible. 

Our goal is to simplify your choices and ensure your employees receive the best balance of affordability and benefits.

We meet directly with your employees, explain benefits in plain language, answer questions, and help simplify the process so HR teams save time and stress.

Absolutely! MSW Insurance Group provides in-person open enrollment assistance to meet directly with your employees, answer questions, and help simplify the process for your HR team.

Group health insurance often costs less than buying individual coverage, since risk is shared across a larger group and employers usually contribute toward premiums. Premiums are often deducted pre-tax, lowering taxable income and saving money. 

Employees also gain access to broader provider networks, more robust benefits such as dental, vision, or wellness programs, and the reassurance that both their own and their family’s medical needs are covered.

Costs vary based on company size, employee demographics, and plan design. We’ll shop multiple carriers to find the most competitive rates and help you control long-term costs.

By pooling risk and leveraging group rates, employers can provide coverage that is both more affordable for employees and more cost-effective for the business. This shared structure makes it easier for employees to maintain coverage and for companies to offer competitive benefits packages.

HMO (Health Maintenance Organization)

• Requires selecting a primary care physician (PCP) to coordinate your care.
• Referrals are needed to see specialists.
• Only covers in-network providers, except for true emergencies.
• Typically offers lower premiums and out-of-pocket costs, but less flexibility.

PPO (Preferred Provider Organization)

• Does not require selecting a primary care physician.
• Allows you to see specialists without referrals.
• Provides coverage for both in-network and out-of-network providers (higher costs out-of-network).
• Typically has higher premiums but offers greater flexibility and provider choice.

EPO (Exclusive Provider Organization)

• Does not require selecting a primary care physician.
• Typically does not require referrals for specialists.
• Only covers in-network providers, except for true emergencies.
• Balances lower costs with more provider access than an HMO, but less than a PPO.