Open enrollment for individuals under the age of 65 is November 1st-January 15th & Medicare open enrollment is October 15th-December 7th.

Group Health Benefits for Employees

With Your Best Interest In Mind

We offer solutions to meet the specific needs of specific organizations. Contact us today to see how we can help you.

Start With a Custom Quote

No matter the size of your organization or the complexity of your needs, we will find the right insurance coverage for you. We make the process easy. Get started saving time and money today!

    This is a solicitation for insurance.

    Group Health Benefits for Every Employee

    Employees gain a wide range of benefits when you partner with Benefit Concepts. As a client, we provide your employees with enrollment meetings to explain benefits and options. Once a plan is in place, we run follow up meetings to answer questions and review benefits. For employees and/or dependents with special concerns or questions, we are available for one-on-one meetings. When you bring on a new hire, we can meet with them to explain their plan and benefits. By partnering with Benefit Concepts, you gain a team of insurance experts who work for you. We are on your side. Our goal is to give you a clear understanding of your options, benefits, and policies. Get informed and save time and money with Benefit Concepts!

    Ancillary Coverage

    Ancillary coverage for employees refers to insurance benefits and coverage options that are offered in addition to the primary health insurance provided by an employer. These additional benefits are often designed to complement the basic health insurance plan and can help employees cover expenses that may not be fully addressed by their primary health insurance.

    Health Insurance

    Navigating health insurance coverage can be stressful. Different plans come with different costs and restrictions. Plus so many companies are trying to get you to sign off on a cookie-cutter plan for your organization. What should you do? Who should you choose? We understand how complicated this can be. We understand that your employee benefits are important to you.


    Medicare can be an incredibly detailed and complicated system to understand. This is especially true when it comes to Medicare-related benefit plans for your employees. Your company’s benefit structure is vital to attracting and keeping top talent, so you can’t afford to be in the dark regarding how to best provide for your employees. Our team will communicate with you to find the very best plan for your needs.

    Personal Plans

    No two insurance plans are the same. People are different. They have different needs and requirements. As an employer, you may have to deal with those needs when it comes to benefits and structuring plans for people with specific needs and wants. How do you do it? Simple, talk with the trusted professionals at Benefit Concepts and let our team help guide you through the steps to build the best benefit plans for your employees.

    Frequently Asked Questions

    What types of health insurance plans are available for us to offer our employees?
    There are several types of health insurance plans available, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), High Deductible Health Plans (HDHPs), and Exclusive Provider Organizations (EPOs). We can discuss each option’s features and help you select the one that best suits your employees’ needs and budget.
    What will be the total cost for us as a company to provide health insurance coverage for our employees?
    The total cost will depend on factors such as the chosen plan, the number of employees, and your contribution strategy. We’ll work with you to calculate the overall cost and help you find a cost-effective solution that aligns with your budget.
    How should we determine the appropriate employer and employee contributions to health insurance premiums?
    We can assist you in analyzing the contribution ratios that strike a balance between your company’s financial resources and your employees’ financial commitments. It’s important to ensure affordability for your employees while maintaining the sustainability of the plan.
    Are there wellness programs or incentives for preventive care available to promote our employees' health and reduce long-term healthcare expenses?
    We can explore plans with wellness programs and preventive care incentives that align with your employee wellness goals. These features can contribute to healthier employees and potential cost savings.
    What benefits and coverage options should we consider including in our employee health insurance plan?

    We’ll conduct a thorough analysis of your employees’ healthcare needs and preferences to recommend a plan with suitable benefits. This could include coverage for doctor visits, hospital stays, prescription drugs, preventive care, and other relevant services.

    Can we ensure that our employees can retain their current healthcare providers within the chosen plan's network?
    We will assess the plan’s provider network to determine whether your employees can maintain their current healthcare relationships. We’ll guide you toward options that align with this preference.
    What are the cost-sharing elements, including deductibles, copayments, and out-of-pocket expenses for both the company and employees?
    We will provide you with a breakdown of the cost-sharing structure, including deductibles, copayments, and maximum out-of-pocket limits, for both the employer and employees. This information will help you make informed decisions.
    How does the selected plan address pre-existing conditions, and are there waiting periods or exclusions?
    We will review the plan’s policies regarding pre-existing conditions, any waiting periods, and exclusions to ensure you have a clear understanding of how they are handled.

    Ancillary Coverage

    There are so many benefit products available. From life and disability insurance to dental and optical coverage, there are many options your employees may be seeking, and you may want to provide. Knowing what and how to provide these options can be complicated and stressful for an employer, but it doesn’t need to be. The trusted professionals at Benefit Concepts can help guide you through the process of choosing the right benefits strategy for your organization and your employees. We offer amazing products through these Partner Carriers:
    • American Trust Administrators, Inc.
    • Ameritas
    • Blue Cross Blue Shield of South Carolina
    • Aflac
    • Guardian
    • Humana
    • MetLife
    • Principal
    • UNIJM
    • Delta Dental
    • Companion Life
    • Colonial Life
    • EyeMed
    • Assurant Health
    • Sun Life Financial
    • Physicians Eye Care Network
    • Allstate
    • Mutual of Omaha

    Health Insurance

    At Benefit Concepts, we understand how important it is for you to provide your employees with competitive benefits. We also understand you have a strict budget to meet. Benefit Concepts was established to help employers in your exact situation. We provide options and solutions to help you make an informed decision that meets your requirements. No matter the size of your organization, we will make your insurance experience seamless.
    • Blue Cross Blue Shield of South Carolina
    • BlueChoice Health Plan
    • Cigna
    • Humana


    By partnering with Benefit Concepts, you gain a team of insurance experts who work for you. We are on your side. Our goal is to give you a clear understanding of your options, benefits, and policies. Get informed and save time and money with Benefit Concepts! Throughout the process, we provide oversight and support. We offer advice before and during the course of your plan. Throughout the year, we evaluate your plan to find ways to improve it and save you money.
    • Aetna
    • Blue Cross Blue Shield
    • Humana
    • Silver Script

    Personal Plans

    We begin by providing an in-depth market and benefit analysis. With a thorough understanding of the market and your options, you will make decisions with confidence. We design innovative recommendations for your personalized plan. From straightforward to complex, we will find options for you.
    • Blue Cross Blue Shield of South Carolina
    • BlueChoice Health Plan
    • GeoBlue

    Our Customers

    "Caroline Battey and the team at Benefit Concepts are wonderful to work with. They have assisted with our firm's health insurance plans for years and we would recommend them to any other small business."

    - Rob Donaldson, Donaldson Law Firm

    "Benefit Concepts is the administrator for my employer's benefit package and they provide excellent service. Over the past 3 years, I have needed various things (ID cards, etc) and instead of telling me to wait for mail, our representative, Caroline Battey is always helpful in sending a copy email or answering questions about our insurance. Highly recommend to any company looking for new benefits."

    - Sharon Chapman, PMI Palmetto

    "The people at Benefit Concepts were the best! We recently lost our health insurance after 35 years and they were able to put us in a great plan for an even better price! They are knowledgeable and professional in every way and highly recommend them for anyone needing insurance!"

    - Jim Elliget

    Get In Touch

    Phone: 843-763-7718 | 800-542-3995 | Fax: 800-878-9970

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