Our goal is to improve your employee benefits, control your benefit costs, and reduce the real hidden costs of your company benefit program.  Providing the best benefits for your employees means improved production, retention of valued employees, and attracting better ones.  As your broker, we work for you, and not the insurance companies. 

• We manage health plan enrollments and employee orientation meetings.  With many of our clients, we are closer to their employees than we are with the employer.
• We have a dedicated support staff to handle your paperwork, answer your employee questions, and resolve claim issues.  We can coordinate employee changes of coverage, changes of status, and address changes.
• We can advise you on how to handle COBRA when an employee terminates.
• At renewal, we can provide a detailed analysis of every available health plan, including ancillary products such as dental, vision, term life, and disability.

We do this, and more, at no additional cost to your company!

Let G F Capital Insurance Services Help

If you're interested in having G F Capital Insurance Services provide your company with a market survey of all employer group benefit options, please download and complete the Group Employee Census Information File below. Once completed, please email the completed census file to Julian Monsarrat at juliangfcap@sbcglobal.net

Group Employee Census Information File

Health Insurance

The choices for group health insurance have never been more expensive, intricate or confusing. With more and more changes and new governmental requirements each day, your employee benefits package can offer the options you want to provide at a reasonable cost. Quite often, an employer will offer his employees one choice of health care. Most choose a PPO because it gives the greatest choice of doctors. Most employees, however, prefer HMO programs. Though HMOs offer fewer doctor choices, many people prefer them as there is no expensive deductible to meet each year. It is possible to satisfy both these needs and potentially use the savings to provide a wider range of benefits including inexpensive dental coverage, life and disability income insurance.

Dental

After Group Health insurance, Dental insurance usually ranks as the second most popular employee insurance benefit. Whether paid by the employer, the employee, or a combination, Dental coverage is usually an affordable option to increase the value of your benefits package. Plans offered through G F Capital Insurance Services include these options in plan design:

    * Deductibles and limits
    * Level of preventative care
    * Orthodontic coverage
    * Waiting periods
    * A plan customized for the unique needs of your firm and its employees

Vision

More and more companies are offering Vision plans as part of their employee benefits program. Vision plans can range from simple and inexpensive discount programs to more comprehensive reimbursement plans.  Whether paid by the employer, the employee, or a combination, a group vision plan will be appreciated by your employees. Often times Vision coverage is considered a voluntary product - something your employees would find of value and pay for themselves if given a better price and product because of group rates.