Individual Medical Insurance Services - Business Benefits Group

Individual medical insurance policies can help people avoid being faced with high payments for medical bills and are an excellent alternative to group insurance plans for many individuals and smaller employers.

At Business Benefits Group (BBG), our comprehensive offering of medical insurance policies can provide coverage for medical costs such as:

Emergency room visits
Outpatient care
Inpatient hospital care
Lab tests
Preventive screenings
Vaccines
Counseling
Surgery

Our plans offer reasonable deductibles and copayments as part of our goal to help make medical coverage more affordable for everyone.

The Benefits Of Individual Medical Insurance Coverage

Why is individual medical insurance coverage so valuable? Here are some of its main benefits.

Flexibility

Many traditional group plans have strict requirements that individuals or the small and medium-sized businesses offering them may struggle to meet. For example, there may be a minimum number of employees that must enroll in a group plan. For smaller businesses with employees who may already be on a spouse or parents’ plan or do not choose to get coverage, it may be difficult to meet minimum participation requirements.

In addition, many group health insurance plans require a minimum contribution, such as 50% of employees’ premiums. Businesses that are unable to meet this minimum cannot offer the group plan. Reimbursing employees for individual medical insurance policies through a Health Reimbursement Arrangement (HRA) can provide much greater flexibility, allowing businesses to contribute what they can afford and offer benefits to any number of employees.

Portability

Employees will lose their health insurance coverage under group policies if they change jobs, but with individual policies, they can bring their coverage with them if they leave the company.

Reimbursing employees for individual medical insurance using an HRA enables employers to provide a formal health benefit that gives employees more control over their healthcare and provides coverage that is not dependent on their employment.

Customization

A group health insurance policy does not provide individual employees with any input into the type of coverage they need. Instead, it places everyone into a one-size-fits-all policy with little to no control over their premium cost, network or coinsurance.

When you purchase individual medical insurance, or if your company offers employees reimbursement for these plans, each person can select a plan that is tailored to their needs and budget and may even work with their preferred healthcare providers. Those who feel they need additional coverage can choose more comprehensive plans.

Medical Insurance Policies from BBG

At Business Benefits Group (BBG), our team understands the complexity of selecting a health insurance policy. We can create individual plans that cover everything from sickness and injury to preventive care, from the most basic plans to top-tier coverage. With strategic use of coinsurance, copayments and deductibles, we can help you find the right balance between affordable premiums and comprehensive coverage.

Get Individual Medical Insurance Today

Whether you are an individual looking for healthcare coverage that extends beyond that offered by your employer, or a company that prefers to offer employees reimbursement for individual medical insurance, our team can help you find an effective solution. Call us at (844) 201-3609 or contact us online today to learn more.

Contact BBG For More Information

Have questions? We have answers! Send us a message and we will get back to you in a timely manner.

Michelle Kilgallen

19:43 28 Mar 24

BBG has been a fantastic partner! Just completed my first year in HR & benefits, couldn't have navigated my way through without the support, guidance and knowledge of the BBG Team. An amazing team of highly skilled individuals, and everyone is so pleasant to work with too, very grateful!!

Kelly Hammen

20:59 31 Jan 24

Rae Shimon was amazing. We had some HR related questions and she was very happy to help. She was patient on the phone and very thorough with her answers. I could not thank her enough for her help. After several frustrating days with another company Rae made it seem so easy, 5 stars are not enough she deserves more. Thanks Rae!

Alex Castaldi

14:53 06 Nov 23

Working with BBG for the past 2+ years has been wonderful. I can always count on their service team to resolve employee concerns in a timely matter. Plus, benefits renewal cycles couldn't be easier. To summarize, BBG makes my life easier!

Trent Baker

11:42 13 Oct 23

I found Business Benefits Group during a Google search, after reading through their website and learning the various types of services they offer I made a phone call to get more information. Francis gave a great overview of not only my main enquiry but also other products for future consideration. I was put in contact with Billy Wood who worked my current insurance needs for my business and provided excellent feedback and other considerations that proved to be beneficial. I would highly recommend Business Benefits Group for their subject matter expertise in this industry.Trent BakerFounder & CEOParadigm Max Q LLC

Alizé Luft

19:36 13 Jun 23

Working with BBG has been wonderful! Their whole team has great attention to detail, excellent customer service, and timely assistance. I had the pleasure of working with Francis and his team. They always went above and beyond to ensure each of our employees had what they needed and our enrollment went smoothly. I highly recommend working with BBG!

Deanna Gelak

19:11 25 May 23

I have worked with BBG through several companies and recommend them highly! We found that their team of top-notch professionals was very responsive and attentive to our needs and concerns resulting in cost savings, selecting the optimal vendors/packages, and increased employee satisfaction.

London Piarrot

12:40 15 Mar 23

The team I work with Jamie Trepanier and Kelci Payne are amazing. They are knowledgeable, responsive and assist me in any way possible. I am so impressed with them and with all the offerings BBG has for clients.

Kim Valenta

13:10 05 Mar 23

The team at BBG is the best in the industry. Offix has been a client for more than 15 years and we always feel like we are their only customer.

Baiju Thomas

15:05 19 Jan 23

It was a pleasure working with BBG and James Losee. I was new to the contracting and business insurance world and James helped me all the way to finalize the policy requirements and finally sending me the certificate. They are very professional, responsive and easy to work with. Looking forward to working with you in the future. I would gladly recommend them to anybody looking for a business insurance.

Hannah Steger

21:25 13 Jan 23

BBG has been an excellent resource for us. We currently work with Mac and Walter in BBG's employee benefits service, and find that they go above and beyond with anything we ask. The team is quick to respond, concise but thorough in their answers, and patient in their explanations. Our employees are very happy with our benefits offerings and we have BBG to thank for finding those for us. We would recommend their services to any companies considering it!

Stephanie Bell

15:54 27 Sep 22

We started working with BBG this spring and are thrilled with the level of service, attention to detail, and knowledgeable staff. So far we've had the pleasure of working with Francis & Dale; they are both helpful, prompt with responses to our questions and needs. They helped us navigate the daunting task of yearly health plan choice and enrollment flawlessly. Thank you BBG!

Steph S

16:50 14 Jul 22

We have had our workers comp policy with BBG for several years and have been extremely happy. Brock is very responsive and answers emails quickly and clearly. He recently helped us with an audit and was very patient, explaining the details and helping us come to a resolution.

Kathy Wentworth Drahosz

19:51 09 May 22

BBG has been incredibly helpful with my business insurance needs. I appreciate their attention to detail and quick turnaround. James (Jay) Losee (Senior Insurance and Benefits Advisor) is a seasoned professional who was able to help me find a big gap in my insurances needs and fill it quickly!

Lorraine Nardone

20:34 03 May 22

This company has been stellar in all aspects. They go out of their way to help you with all business needs. I truly value you. Special thanks to Ulysses and Siobhan that have helped me greatly over the past few weeks.

April Bowen

19:50 12 Apr 22

I am new to my organization and quickly met with my representatives from BBG. They are easy to contact and take care of business without delay. The additional solutions that they offer have truly enhanced the services that they provide. I am so impressed with the benefits platform and the unlimited access provided to tools for HR knowledge and compliance. These tools would have a significant cost to my organization if they were implemented outside of BBG. The onboarding welcome webinar was an excellent way to become familiar with BBG. BBG makes my job easier!

Richard Ruggiero

13:51 12 Apr 22

BBG is an outstanding group providing full service for your benefits and insurance needs. It is rare to find a company that supports you from quote, renewals, systems, all the way through to support and claims along the way.

David Cranfield

13:47 12 Apr 22

Worked with the benefits and HR teams at a previous company as someone had referred them to me. Brought them into my current company as well as soon as an opportunity presented itself. They are very good at what they do and you will not be disappointed.

Elaine Kapetanakis

16:49 23 Nov 21

I was stuck. Billy Wood went out of his way to help me. He took the initiative to do something that was not in his normal responsibilities to make things easier and to help me get a task done. It was just really an act of kindness and assistance. Not expected but delivered which made all the difference.

Maria Edwards

20:38 22 Nov 21

The Team at BBG is extremely responsive and provides great customer service to our HR & Finance departments as well as to our employees! As a client of BBG, we have access to several value added resources that increase efficiencies, value, and knowlege base of our HR department. We've not found this level of support and value with any other benefits broker. BBG is a true business partner.

Maria Corrales

17:36 27 Sep 21

It has been a pleasure to work with BBG and their representatives. I took over managing the benefits for my company a couple of months ago and BBG helped make this a smooth transition. Their representatives provide impeccable customer service. We are big fans of the their benefits team and HR team. Thank you Mac, Dennis, Graham, Tia and Sandra. It is always a pleasure to work with you all. Looking forward to continuing our partnership!

Sean Sands

19:07 13 Sep 21

I've had the opportunity to work closely with BBG for the last two years, as they serve as the broker for each of our commercial lines of insurance. During that time, BBG has treated me and my company as valued business partners, providing proactive service around renewals and open enrollment, as well as giving us experienced expertise to manage changes during the pandemic.Most recently, Secoyia Wilson assisted with our D&O renewal, working to help me understand how organization changes would impact our premium. She managed all of the details with the carrier, representing my company's best interests. In the end, I was very pleased with both our renewal and the service from our partners at BBG. I highly recommend BBG's services for other nonprofits (large or small) in the DC area!

Chris Mountzouris

21:22 08 Sep 21

I have been pleasantly surprised by the service provided to me by BBG. Today's help was the motivation to write a review. In dealing with setting up payroll for deductions for health benefit plans, my broker Jaimie put in touch with the right personnel, Michelle, in a quick manner. Not only did Michelle educate me during the call on how to set this up, she had a great attitude even with it being the end of the business day. Thank you for the great service!

Carol Keeling

12:32 31 Aug 21

I love working with BBG! Their professionalism and responsiveness are unparalleled. Jessica and her team have made the renewal process seamless and she's always looking for ways to enhance our benefits. Using Navigator for our benefits/HR portal has saved us time, money and lots of aggravation. My only regret is not finding them sooner.

Julie McGoldrick

13:48 11 Aug 21

Brock Reynolds is always very helpful and timely in all requests that me and my team make of him. We appreciate his attentiveness to our business and to our insurance needs! I should also give huge thanks and appreciation to Rae, Michelle, Sarah, and Jaimie. They all work together to keep us safe, healthy and protected!

01:55 11 Aug 21

Brock Reynolds is always very helpful and timely in all requests that me and my team make of him. We appreciate his attentiveness to our business and to our insurance needs!

Edwin Merrigan

14:16 09 Aug 21

I have been a client for many years and have always had the best customer service. I would highly recommend using this company.

Karen Hairston

20:15 02 Aug 21

BBG has consistently provided great service and support for our organization. They are super responsive and always willing to help out when needed. The entire team from Benefits to Customer Service to HR all provide the same level of great service. I know when I go to them with any questions or needs, they are quickly on it to get me the answers and resolutions I need. Thank you so much BBG for being there for all of our benefits broker needs.

The ChubbLife

14:15 15 Jun 21

We transitioned from a PEO two years ago and BBG have been the perfect partner to help with this journey. They have provided tailor-made solutions to help save our company money, while providing competitive benefits for our employees. All members of the BBG team are responsive, professional and willing to go above and beyond to help with all our company needs. Their service offerings are fantastic and tick pretty much every box. 100% recommend BBG as a benefits partner!

Joey Walker

16:11 04 Jun 21

Working with BBG has been extremely easy and beneficial for our organization. They are responsive, proactive, and always willing to go the extra mile to assist. They take the time to explain complex processes and are always willing to provide extra resources and supporting documents when needed. I would highly recommend them as a broker and/or as a HR Consulting firm.

Tara Smith

20:29 16 Apr 21

I have thoroughly enjoyed the relationship/partnership we are building with BBG. We are using BBG as our broker for both benefits and corporate insurance. I have found their team to be extremely helpful, very knowledgeable and responsive. They have also provided additional resources that help me stay abreast of upcoming changes that affect our business, as well as helping me expand my Human Resources knowledge base. These are a great group of folks who seem to strive at providing excellent customer service at every opportunity. We are thankful! Thank you BBG!

Breona Russell

14:07 16 Apr 21

Always an amazing experience working with the BBG team! Professional, honest, responsive and most of all patient! Rae Shimon was very helpful when I started my new role in HR, she helped me transition with ease. I am very appreciative of our partnership with BBG.

commercial concrete

15:37 08 Apr 21

We moved from One Digital over to BBG, and it was the best thing that we could have done. They have been so great to work with and very responsive. Walter Jordan provided excellent guidance and support from the start. Walter and Mac were very helpful and made our enrollment process smooth, easy and painless. We could not have asked for more. Thank you to your great team!

Randi Killen

17:37 07 Apr 21

We recently transitioned to BBG and have been very pleased with the partnership. The consultants are well-informed, responsive, and have provided sound guidance throughout the renewal process and as new regulations are rolled out. In addition, BBG provides HR resources which have already proven to be valuable to our team.

Dora Fisher

18:10 06 Apr 21

Antonia Spyridis is wonderful. All her communications are timely. If she doesn't know the answer to a question, she "owns" it, does her due diligence and responds back to you. Wonderful customer-service skills.

Meg Kerns MOKup Media

14:12 05 Mar 21

BBG has been a trusted partner for our company and its employees for several years. Their availability, responsiveness, and ability to customize benefit plans to fit the business’s unique needs is unmatched. We highly recommend any business, especially government contracting service providers, give BBG a call to see how they can best provide full-scale coverage for employees and businesses. They are the best "one stop shop" around!

Lisa Donovan

16:28 10 Feb 21

Great staff, always willing to go that extra mile to get things done for you. Couldn't be happier. We are still with BBG and everyone on the staff is extremely helpful, especially Rae S. She has been such a great support to me ever since we signed on with BBG

Mary Brown

15:32 05 Feb 21

Plain and simple, BBG saves our company money. Working with Derek we set up a three-year plan to reduce costs without any disruption to employees. Based on the strategies we implemented, we achieved exactly what we set out to do. We actually pay less with each renewal rather than the double-digit increases we experienced in the past. Derek is an industry expert – his Broker of the Year award is well-deserved. Patty is the most organized person I’ve ever worked with and keeps track of details with amazing accuracy. Sarah always provides excellent guidance and support for our questions big or small. I highly recommend partnering with BBG.

Heather Weaver

01:46 28 Jan 21

I have been working for the Business Benefits Group for years as their HVAC vendor. When I met Kelly Cole, their Office Manager a few years ago, she asked me if I had life insurance. At hat point I did not. Kelly was thrilled to introduce me to Mike Gore, he was extremely helpful in setting up my coverage. I also work with Robin Hansen, she has been instrumental ensuring our company’s benefits enrollment goes smoothly and without a hitch! I LOVE BBG and their staff. They are hands down one of the best!

Steve Bowes

21:56 26 Jan 21

BBG ROCKS!!! I had the pleasure of meeting Kelly Cole when she hired my company Phoenix Home Services to build her the kitchen of her dreams. If you have ever been through a home remodel project, you get close to your clients and get to know them pretty well. Kelly asked me one day who my broker was, I did not have one at that point but needed one. Kelly introduced me to Jessica which became our Broker, Neely Renewal Manager and Siobhan Renewal Manager, they were all great to work with! The team at BBG work tirelessly to ensure my company benefits package works for all of my employees. They go above and beyond to answer our questions, helps in times of need and the open enrollment process was smooth.One thing that is so great about BBG is the actual client interaction and how they listen to our particular business needs. We needed a fluent Spanish language speaker to really help some of our employees fully understand their enrollment options and they made sure that person was available every step of the way. Thank you BBG making these complicated decision easier and for doing an excellent job!

Laura Schindler

18:29 15 Jan 21

We changed over to BBG Business Benefits Group from a manual HR system. We are so happy we made the move. At first I was skeptical about their employee navigator system but all more concerns were quickly resolved. Our first open enrollment in their system went off without a hitch. and we just finished our ACA filings in a 20 minute meeting. Quick and easy. I can not recommend them enough. If you are looking for a quality Benefits Group this would be the group to go with.

Fredricia Cunegin

16:56 06 Jan 21

This is my third year serving my client and working with BBG to fulfill and complete the enrollment process. I enjoy working with Mac and his entire team of professionals. They are responsive and well informed in their efforts to ensure that we are satisfied.

Nancy Hayden

21:18 31 Dec 20

I couldn't ask for a better broker as BBG continuously provides top notch service! We have been a client for close to 20 years and I have never had a reason to look elsewhere. When you're a client of BBG it's like your part of a big family (in a good way), everyone is always willing to assist in any way they can. BBG attracts and retains the best people in the industry. On a side note, this is the first review I've ever left anywhere so that says something :)

Paula Truitte

19:45 23 Dec 20

Open Enrollment has never been so smooth! BBG walks you through it and is there for any help you need! They make certain that all of your bases are covered – it’s a pleasure to work with such professionals!

Lauren

18:49 18 Dec 20

The Business Benefits Group has been great to work with. Specifically, Allison Popp has been amazing to work with. Extremely helpful in answering specific and general questions about employee benefits, conducting benefit meetings for employees, creating and distributing Employee Benefits Guides, providing resources for HR information. She always responds quickly and is very professional.

Jenna Mullikin

14:48 18 Dec 20

BBGs has a very knowledgeable team that always goes above and beyond! We are grateful to have such a valuable resource at our fingertips.

Bijal Shah

16:09 08 Dec 20

We've used BBG for our business benefits & insurance for almost 2 years. They have amazing customer service across all of their departments. Their quick responses are helpful & direct. I appreciate our business relationship & highly recommend them to anyone looking for a broker! Their benefits plans are very competitive in the market. My company and employees are liking their benefits. Keep up the good work.

A Google User

21:02 23 Sep 20

We have tried out three different brokers and systems before selecting BBG and sticking with them. Mac and his team are professional, responsive, and easy to work with. Their relationship has been invaluable, and is clearly superior to systems that try to automate insurance and benefits consulting. They save us money, and help us select products that fit our company's corporate culture, and future business goals. They have also been scaling with our business, which has been growing by several employees every year. I imagine they'd do very well for large businesses. We cannot say enough about their customer support, and recommend them to anybody looking for benefits consulting and insurance.

Leoprieto74

16:40 04 Aug 20

Michelle Milam is an incredible person! She made the whole process painless. She is also relentless in providing excellent Customer Service! I recommend her to everyone. Always quick to respond and always keeps me up to date in my insurance claim status. Thanks Michelle!!!

Joe Webb

11:58 15 Jul 20

Mac, Walter and the BBG team are all top-notch folks. They are all easy to work with and just made life easy. The BBG team is able to work medical benefits, Defense Base Act, property insurance and anything HR related, all of which continue to make life easy for Small Businesses. Overall, BBG is an outstanding organization that provide Subject Matter Expertise in everything they do.

Mary Kate LaCroix

20:06 06 May 20

BBG has been terrific all around! They are always available to answer questions and help whenever we need them. We highly recommend them and look forward to our continued partnership!

Misty Gutierrez

15:27 22 Apr 20

We have used BBG to manage our company benefits for 10 plus years now. They provide excellent and timely service for all our corporate insurance needs. Highly recommend!

Hope Miller

22:29 26 Feb 20

We've used BBG for our business benefits & insurance for almost 7 years. They have amazing customer service across all of their departments. Their quick responses are helpful & direct. I appreciate our business relationship & highly recommend them to anyone looking for a broker!

Casey Costello

15:11 13 Jan 20

BBG takes the whole HR process from benefits enrollment to HR management, and streamlines the process to make it user-friendly, professional, and a huge time saver. Great organization made up of great people.

Meg Nelbach

15:00 13 Jan 20

BBG is an incredible business partner and our dedicated consultants act like extended members of our company's team. In addition to the responsive, detail-oriented, and personalized services they offer, they also provide tools that are incredibly helpful, especially for smaller HR organizations. I look forward to partnering with BBG for many years to come and I'd highly recommend them for anyone seeking to upgrade their broker support!

Chelsea Day

21:26 09 Jan 20

BBG is always extremely responsive and help answer any questions. We just recently went through open enrollment and it went incredibly smoothly. I would highly recommend them!!

Matt

14:09 25 Oct 19

I love working with BBG! As a department of one I know I can count on them to provide me with timely and accurate customer service when I need help. I also cannot imagine not having such a great broker relationship, as I know they are always looking our for our interests and make recommendations that can be helpful. BBG is a great resource for me, they are customer oriented and always there when I need them.

19:36 09 Oct 19

Great staff, always willing to go that extra mile to get things done for you. Couldn't be happier.

Chantel Harris

19:29 09 Oct 19

It has been an auspicious pleasure working with BBG. BBG truly has top notch professionals that consistently provide excellent and proactive customer service. They are very knowledgeable in their area of expertise and you can always count on them to provide the best advice/counsel regarding various applicable matters. We highly recommend BBG!

Jay Greenstein

15:11 07 Oct 19

Great service! Remarkable team of folks. So happy I made the switch to BBG!

Brad Becker

18:56 04 Oct 19

BBG defines excellence. Earlier this year we interviewed severally companies for benefits administration and BBG was hands down the best service and takes professionalism and service to whole nother level. They were able to provide great benefits and cost saving for our employees as well! If there was 6 starts i would put that for them.

Allison Woodruff

12:34 09 May 19

Outstanding, prompt and friendly service. Would recommend BBG for any size group!

John Farrell

16:04 08 Feb 19

The Business Benefits Group is top notch. I've worked with numerous benefits brokers over the years and they are second to none. Their personalized service has provided outstanding cost savings for my organization while also providing rich benefits to my employees. I truly appreciate their dedication and expertise. John A. Farrell III, HR Director, SHRM-SCP

Holly Palmer

15:25 08 Feb 19

I've worked with BBG for 7 years and was responsible for introducing BBG at my new company. The service everyone at BBG provides is unparalleled- and they do it with a smile on their faces. BBG is more than an insurance broker. They are a full service firm that doesn't just sign companies up for benefit coverages, they act as a strategic advisor to determine what solutions fit best for each company's situation and demographic. This year, with BBG's insightful advice and patient guidance, we were able to save a significant amount of money at benefit renewal time while actually improving our offerings from the prior year. It was a win for our company and a win for our people. As an HR department of one, I take advantage of the HR advice provided by BBG as well. There are not enough adjectives to say how great it is to work with BBG.

Morgan Parker

15:58 09 Jan 19

Working with BBG has always been a great pleasure. The customer service that we receive is ALWAYS top notch; knowing that you will always receive a response from someone is very important and we know that BBG will give us that. We have been a customer of BBG for many years, and have absolutely no complaints. Everyone that works at BBG is so nice and goes above and beyond, which is appreciated more than they know. Keep up the GREAT work!!

Jason Thornhill

14:08 09 Jan 19

BBG has been pivotal in the dissemination of health benefits for Fonteva employees. They have remained consistent regardless of the level of stress involved in any situations. The aforementioned has been particularly appreciated during our Open Enrollment process. Derek Winn, the Senior Benefits Consultant, is exceptional!

Valentia Royal

20:16 16 Aug 18

As an HR Professional, I have had an opportunity to work with several benefits brokers and BBG is by far a stand out. The level of support, guidance, and assistance they provide as a broker is above and beyond. Everyone at BBG is knowledgeable and their willingness to make themselves available to not only our company, but our employees is unmatched. They have become an extension of our organizational family. In an industry that is ever changing, BBG is consistent in their level of service. Regular assessments of the industry and the market to bring its business partners the best tools, strategies, resources, and expertise, are just a few of the "benefits" of BBG.

Bree Acampora

15:07 03 Aug 18

Working with BBG has been a game changer for our company. From managing our annual benefit renewals to the day to day customer service they provide for our team and members, every individual we interact with is extremely knowledgeable and provides excellent customer service. The depth of resources BBG provides is second to none. We have an incredible rep who responds to our questions and concerns day or night and the technology platforms they have on offer have allowed us to streamline our HR functions to save us time and money. I could write a novel about all of the wonderful people, services and products BBG offers. They have become an integral part of our HR/Benefit strategy and an extension of our own "family oriented culture" as a company who puts this kind of service acumen and care at its forefront. Thank you BBG and here's to many more years of partnership.