Group Medical · Virginia & North Carolina

Group health insurance that helps you keep good people.

Health coverage is one of the first questions a good candidate asks. Blue Ridge Insurance helps Central Virginia employers compare group medical plans, set contributions that fit the budget, and handle renewals without starting over every year.

Get a Group QuoteCall (434) 212-3300
The Basics

Small employers have more options than they think.

Group medical plans cover employees, and often their families, under a single employer-sponsored policy. You choose the plan design and how much of the premium you contribute. Employees typically pay their share through payroll deduction, often pre-tax.

Plan designs range from traditional copay plans to high-deductible plans paired with an HSA. Some employers offer two options side by side. We’ll model the cost of each so you can see what you’d spend before you commit.

What we’ll ask you

  • Number of eligible employees
  • Employee ZIP codes and ages
  • Your current plan and renewal, if any
  • Budget for employer contribution
  • Whether you want dependent coverage subsidized
Plan Options

Group medical options we compare

PPO plans

Broad networks and out-of-network benefits, with copays for routine care.

HMO and EPO plans

Lower premiums in exchange for staying within a defined network.

HSA-qualified plans

Higher deductibles paired with a tax-advantaged health savings account.

Level-funded plans

A middle ground for some small groups, with potential refunds in good claims years.

Contribution strategy

How much to pay for employees and dependents, modeled against your budget.

Renewal reviews

We review every renewal and remarket when the increase doesn’t hold up.

Get a Quote

Start your group medical quote.

Tick Employee Benefits in the form. A licensed advisor will follow up for a census and walk through the options with you.

  • Multiple carriers compared
  • Dental, vision, life and disability quoted alongside
  • Help with enrollment and employee questions
Common Questions

Group medical questions

How many employees do I need for a group plan?
Many small group plans can be written for businesses with as few as one or two eligible employees besides the owner, depending on the carrier and state rules. Ask us about your headcount.
Do I have to pay for my employees’ coverage?
Carriers usually require the employer to contribute a minimum share of employee-only premium, and a minimum percentage of eligible employees to enroll. Exact rules vary by carrier.
Can you help with our renewal?
Yes. Send us your renewal and current plan summary and we’ll compare it against what else is available before you sign.

Renewal coming up?

Send it to us before you sign and we’ll compare the market.

Get a QuoteCall (434) 212-3300