Fortune 500-Level Group Health Plans—Without the Steep Price Tag
On its own, a 20- or 100-person company has little sway with a health insurance carrier. Group purchasing changes that math. G&A brings together more than 130,000 employees across its client base, and that combined size gives your business access to the rates Fortune 500 companies negotiate with top carriers.
G&A's current medical insurance plan options include:
- Aetna
- BlueCross BlueShield of Texas (BCBSTX)
- BlueCross BlueShield of Minnesota (BCBSMN)
- BlueCross BlueShield of Illinois (BCBSIL)
- BlueCross BlueShield of Oklahoma (BCBSOK)
- Anthem BlueCross of California
- Anthem BlueCross BlueShield Colorado
- Anthem BlueCross BlueShield Nevada
- Wellmark BlueCross BlueShield
- Cigna (offered in states where G&A does not currently have BlueCross BlueShield coverage)
- Cigna Utah
- Kaiser of California
- United HealthCare
Get top-tier, affordable group health insurance with G&A.
Nationally Recognized Healthcare Providers
Your employees are covered by the same national networks that Fortune 500 employees use. Options include carriers like Aetna, BlueCross BlueShield, Cigna, Kaiser Permanente, and United Healthcare, each with hospital and physician networks that reach well beyond your local market.
Aetna
As a CVS Health® company, Aetna provides a caring, connected, and convenient healthcare experience designed to meet the diverse needs of its members. While offering both medical and non-medical care, Aetna maximizes health outcomes through one of the nation’s highest quality provider networks, flexible virtual care, and the convenience of local walk-in clinics.
With Aetna, members gain access to:
- Proven Excellence: A top medical insurance carrier with a 96.7% customer satisfaction rating
- A Robust Nationwide Network:
- 6,300+ hospitals
- 283,000+ primary care providers
- 574,000+ specialists
- 1.2 million ancillary providers and non-physician specialists
- Mental health providers
- 423,000+ behavioral health providers
- 135,000+ employee assistance program providers
- Well-being Support: Resources that go beyond the doctor's office, like no-cost community health screenings, in-home support, and wellness discounts
BlueCross BlueShield
BlueCross BlueShield (BCBS) is an established national medical insurance carrier that offers medical insurance plans for employers and individuals in every ZIP code in 49 states, the District of Columbia, and Puerto Rico.
These statistics showcase BCBS’s leadership in the group health insurance industry:
- More than 115 million people have a BCBS medical insurance plan.
- BCBS contracts with more than 1.7 million doctors and hospitals.
- More than 81 million BCBS members have access to care through value-based, patient-focused care programs operated by approximately 654,000 providers.
Cigna
G&A offers a range of plans through global health service carrier Cigna (Connecticut General Life Insurance Company) in states where we don’t currently have BlueCross BlueShield coverage. Our flexible options include traditional co-pay plans, HDHPs, nationwide plans, and local narrow network options with differing coinsurance percentages and out-of-pocket maximums—so you can get the plans you need at a good price.
These statistics illustrate Cigna’s leadership in the group health insurance industry:
- More than 178 million customer relationships.
- More than 2 million partnerships with healthcare providers, clinics, and facilities.
- More than 15 million medical and 16 million dental customers from over 37,000 public and private employer relationships.
Kaiser Permanente
Kaiser Permanente has been providing high-quality health care and coverage for more than 75 years. By connecting care with coverage, they pioneered a new model for healthcare, where things are designed to work together and help their members thrive. Their care model enables their teams to think and work as one, coordinating your care seamlessly, so you don't have to—and delivering better care when it matters most. Kaiser has a team that's built to support your total health.
Care Teams:
- 24,605 physicians
- 73,618 nurses
Facilities:
- 40 hospitals
- 616 medical offices
Health Plans:
- Providing care and coverage for over 12.5 million members
G&A Partners provides Kaiser HMO, DHMO, and HSA plan options to select employees living in California, Colorado, and Hawaii.
United Healthcare
Dedicated to helping people live healthier lives, United Healthcare serves millions of people from their earliest years through their working lives and retirement.
G&A Partners offers 19 different plans through United Healthcare, including point-of-service (POS) plans, high-deductible health plans (HDHP), and an Indemnity plan. Businesses can offer between three to five plan options, depending on the number of employees you currently employ. United Healthcare services are available through:
- Partnerships with more than 1.7 million physicians and care professionals and 7,000 hospitals and other care facilities nationwide.
- Access to customer service and virtual care services 24/7/365.
Flexible Medical Insurance Plans
Every business balances what your team needs against what your budget allows. G&A gives you PPO, HMO, and HDHP plans to choose from, plus local network alternatives so you can build a plan that fits your workforce.
Affordable Care Act Compliance Expertise
Once your business crosses 50 full-time equivalent employees, the Affordable Care Act (ACA) adds reporting and eligibility tracking that most internal HR teams haven’t had to manage before. Missing a deadline or misclassifying a variable-hour employee can turn into a costly IRS penalty fast.
G&A’s compliance experts bring hands-on ACA experience to your business. Our team handles your ACA reporting and tracks employee eligibility for you, which helps reduce your risk of penalties.
ACA Compliance Services
G&A’s compliance experts help you manage ACA requirements and reduce your risk of costly mistakes.
Our ACA compliance services include:
- Plan design: Offer group health plans built around ACA’s minimum coverage and affordability requirements.
- Preventive measures: Put safeguards in place that reduce your exposure to costly penalties.
- Eligibility tracking: Monitor employee eligibility trends from month to month to help support ongoing compliance requirements.
- Hours monitoring: Accurately track hours worked by part-time and variable-hour employees, a common source of ACA compliance risk.
ACA Reporting Services
G&A’s compliance experts help you manage the ACA’s annual reporting requirements from the IRS.
Our reporting services include:
- Data integration: We combine your payroll, benefits, and employee data into G&A’s ACA tracking tool so nothing has to be done manually.
- IRS form preparation: We gather and organize required data and prepare Forms 1094-C and 1095-C to support reporting requirements.
- Distribution: We distribute the completed forms and reports to the right parties ahead of mandated deadlines.
HR Tech Startup Offloads HR to Focus on Growth
To compete in Utah’s high-growth tech sector, startup GuideCX needed a way to attract and retain top talent without overextending internal resources. By partnering with G&A, they gained support for benefits, payroll, and onboarding—freeing their team to focus on scaling the business. With G&A managing the back-end HR work, GuideCX was able to grow efficiently while delivering a better experience for both candidates and employees.
Better benefits that build a dream team.
Benefits packages and salary consistently rank as the top two factors job seekers weigh when choosing where to work. Offering health coverage that rivals major competitors gives your current team a reason to stay — and great candidates a reason to say yes. All without requiring a Fortune 500 budget to get there.
Schedule a consultation today!
Complete the form below and learn how G&A can help your business.
Explore More Employee Benefits Services
Benefits Administration
Enjoy the relief of having a dedicated team handle the day-to-day administration of your employee benefits.
Ancillary Benefits
Enrich your benefits offerings with supplementary options, such as dental, vision, and more, that give your employees more ways to feel cared for.
Retirement Plans
Offer the security of a 401(k) plan, with G&A handling the administration so you can focus on your people.
FAQs
What does it cost to offer group health insurance through a PEO?
It varies by group size, location, and plan mix, but partnering with a PEO like G&A typically costs less than buying the same coverage on your own, because your business is pooled with thousands of others for rate-setting purposes. A G&A benefits specialist can build a specific comparison for your business.
Can I keep my current insurance carrier if I partner with G&A?
In many cases, yes. G&A works with Aetna, BlueCross BlueShield, Cigna, Kaiser Permanente, and United Healthcare, depending on your location. A benefits specialist can confirm whether your current carrier and plan design are available through G&A in your state.
Does G&A handle ACA reporting for us?
G&A’s compliance team helps you manage ACA eligibility tracking and annual IRS reporting, including the data integration and form preparation involved. The responsibility for accurate underlying data and final filing decisions remains a shared one between your business and G&A.
How long does it take to switch group health plans?
Timing depends on your renewal date and current carrier, but most G&A clients begin the transition three to four months before their target start date, which gives enough time for carrier selection, employee communication, and open enrollment.