Business Details
31 Years
experience
Affordable Small Business Health Insurance Plans in Georgia
Beneplans is a health insurance agency dedicated to helping small businesses establish affordable employee health insurance benefits. With over 25 years of experience, we specialize in designing group benefits tailored to each company's unique needs. Our team of licensed agents represents major national health insurance carriers, including Aetna, Humana, and United Healthcare, while offering specialized plans such as self-funded health plans, health reimbursement accounts, and wellness programs. We focus on creating cost-effective solutions that help businesses reduce expenses while maintaining quality coverage for employees. Located in Suwanee, Georgia, we serve local companies through in-person meetings and provide virtual support to businesses across the state.Our owner, Steven McClelland, has been assisting small business owners with health insurance planning since 1991, bringing deep expertise in employee benefits and cost-saving strategies. We leverage our industry knowledge to help employers navigate complex insurance options, implement tax-advantaged accounts, and optimize benefit packages that attract and retain talent. Our approach combines personalized service with innovative tools, including online enrollment systems and virtual plan presentations, to streamline the insurance process for both employers and employees.
Services
Self-Funded Health Plans
SHOP Plans
HRA Accounts
HSA Accounts
Wellness Programs
Group Health Insurance
Health Reimbursement Accounts
Health Savings Accounts
Small Business Health Insurance
Employee Benefits Consulting
Details
- Year established: 1995
Highlights and features
- We have over 25 years of experience in small business health insurance planning
- Our team represents all major national health insurance carriers in Georgia
- We design customized benefit solutions tailored to each company's specific needs
- We offer tax-advantaged health savings and reimbursement account options
- Our online enrollment tools simplify the insurance process for employers and employees
Services
Self-Funded Health Plans
Self-funded health plans help small businesses offset rising healthcare costs by allowing them to pay for actual claims rather than fixed premiums. These plans offer potential savings of up to 25% compared to fully insured plans while providing stop-loss protection against unexpected high claims. Employers may receive surplus premium returns when claims are lower than expected.
SHOP Plans
The Small Business Health Options Program (SHOP) helps employers provide group health insurance with potential tax credits worth up to 50% of employer premium contributions. We assist Georgia businesses in enrolling with Kaiser Permanente through this program, offering qualified health plans that meet federal eligibility requirements.
HRA Accounts
Health Reimbursement Arrangements (HRAs) allow employers to fund tax-deductible accounts that reimburse employees for eligible medical expenses. These accounts work with high-deductible plans to reduce out-of-pocket costs while maintaining predictable premium expenses for employers through strategic funding approaches.
HSA Accounts
Health Savings Accounts (HSAs) provide tax-advantaged savings for qualified medical expenses when paired with high-deductible health plans. These accounts offer triple tax benefits with pre-tax contributions, tax-free growth, and tax-free withdrawals for eligible healthcare expenses while providing lower monthly premiums.
Wellness Programs
Our wellness programs help employers promote healthier lifestyles among employees while potentially reducing healthcare costs. These initiatives include incentives for preventive care participation and health risk assessments, working in conjunction with various insurance plans to improve overall workforce health outcomes.
People
Steven McClelland
Owner
Steven McClelland has specialized in employee benefits since 1991, helping small businesses optimize health insurance solutions. He brings extensive experience in cost-saving strategies and personalized benefit planning to Georgia employers.
Questions
How do I get a quote for small business health insurance?
Complete our online census form to receive customized quotes from multiple carriers, or contact our licensed agents directly at 770-271-4014 for personalized assistance.
What is a self-funded health plan?
A self-funded health plan allows employers to pay for actual medical claims rather than fixed premiums, potentially saving up to 25% while maintaining stop-loss protection against high claims.
Is my business eligible for SHOP plans?
Georgia businesses with 50 or fewer full-time equivalent employees offering coverage to all full-time workers may qualify for SHOP plans with Kaiser Permanente and potential tax credits.
What's the difference between HRA and HSA accounts?
HRAs are employer-funded reimbursement accounts for medical expenses, while HSAs are tax-advantaged savings accounts paired with high-deductible plans that employees can contribute to personally.
Do you offer virtual enrollment options?
Yes, we provide online enrollment tools and virtual meetings for businesses throughout Georgia, making it easy to implement and manage employee health benefits remotely.
