You started a business to do the work you love, not to become an expert in group health insurance. FIG Benefits handles the shopping, the paperwork, and the employee questions so you can get back to running the company.
Which Benefits Are Typically Offered to Employees?
Every employer's situation is unique, as are their budgets. We are happy to work with employers of all sizes to develop comprehensive benefits packages that meet their needs. Common coverage options for Tri-Cities businesses include:
- Group health insurance, the anchor of most packages, which lets employers and employees share premium costs.
- Dental insurance for routine cleanings through more involved dental work.
- Vision insurance for routine eye care and eyewear.
- Group life insurance, often guaranteed-issue for participating employees.
- Short- and long-term disability insurance that supports income when an illness or injury keeps someone off the job.
- Voluntary benefits such as accident and hospital indemnity plans that employees can pay for through payroll.
Why Work With an Independent Agency?
As an independent agency, FIG Benefits is not tied to a single carrier. We can compare BlueCross BlueShield of Tennessee, Cigna, UnitedHealthcare, Humana, and others side by side for your group, then explain the differences in language a busy owner can act on.
Renewals are where most groups feel the squeeze. When yours arrives, we already know your census, your budget, and what your employees use, so we can bring you real alternatives instead of a rubber stamp.
One of those alternatives is a CHOICE Arrangement, the new federal name for the ICHRA: a set monthly allowance your employees use toward individual health plans they choose. See our CHOICE Arrangements page to learn how it works and whether it fits.
What Working With Us Looks Like
- Listen first: a short conversation about your team, your budget, and what has frustrated you about benefits before.
- Shop the market: we gather your group information once and take it to multiple carriers, then lay the options side by side.
- Enroll without the chaos: we run enrollment meetings, help employees choose, and handle the forms.
- Stay on the account: new hires, terminations, ID cards, claim problems, and next year's renewal all come to the same local team.
Contact Us Today
Contact FIG Benefits LLC to start building a benefits package that adds value to your current compensation plan. Call the office or request a quote and a licensed agent will follow up.