Insurance Products
Coverage for Life's Unexpected Moments.
Protect what matters most with health insurance solutions designed for individuals, families, and businesses. From comprehensive medical coverage and preventive care to prescription benefits and specialist access, our insurance products help provide financial protection and peace of mind when you need it most.
Comprehensive
Coverage Solutions
01
Group Insurance Benefits
(5+ covered employees)
We specialize in helping businesses of all sizes, from small groups (5–50 employees) to large organizations, design comprehensive benefit packages that protect employees and strengthen company culture.
Group benefits typically include health, dental, vision, and life insurance, as well as retirement options, giving employees and their families the financial security and peace of mind they deserve. Offering strong benefits not only helps attract and retain top talent but also boosts morale, productivity, and loyalty within your team.
Our agency works with top-rated carriers to tailor cost-effective group plans that fit your company’s goals and budget, making it easy to care for your employees while keeping your business competitive.
02
Private Market (Under Age 65)
50+ Private Insurance Options
Preferred Provider Organizations (PPOs) - This insurance plan gives you the flexibility to choose your doctors and specialists, with no referral needed. You can see providers both in and out of network, but you’ll save more when you use doctors and hospitals within the PPO network.
Health Savings Accounts (HSAs) and High Deductible Health Plan (HDHP) - A High-Deductible Health Plan (HDHP) has lower monthly costs but a higher deductible before coverage begins. When paired with a Health Savings Account (HSA), you can set aside pre-tax money to pay for medical expenses and whatever you don’t use rolls over year after year.
Catastrophic Health Plans - Catastrophic Health Plans are designed to protect you from very high medical costs in case of serious illness or injury. They cover major events like hospital stays, surgeries, and prescriptions, and are typically a lower-cost option for those who want essential protection without higher monthly premiums.
Dental and Vision Plans - Dental and vision coverage help you maintain overall health and well-being. Dental plans include benefits for preventive care like cleanings and exams, as well as coverage for common procedures such as fillings and crowns. Vision plans help cover eye exams, glasses, and contact lenses, making it easier and more affordable to keep your eyes healthy and your vision clear.
03
Medicare Solutions (65+)
Medicare provides health coverage for people 65 and older, and for some younger individuals with certain conditions. You can choose Original Medicare (Parts A & B) or a Medicare Advantage Plan (Part C) that often includes prescription drug coverage (Part D).
04
Life Insurance Plans
Term Life Insurance - Term life insurance offers affordable protection for a set number of years, providing a payout to your loved ones if you pass away during that time. It’s a simple way to cover major expenses like a mortgage or family needs.
Whole Life Insurance - Whole life insurance provides lifelong coverage with guaranteed benefits and builds cash value over time. It’s a long-term way to protect your family and grow savings you can access later.
Universal Life Insurance - Universal life insurance offers lifelong protection with flexible premiums and a cash value that grows tax-deferred. It’s ideal for those who want long-term coverage that can adjust as their financial needs change.
Variable Universal Life (VUL) Insurance - Variable universal life insurance offers lifelong coverage with investment options that can grow your cash value over time. It offers flexibility and growth potential, but it also carries market risk tied to investment performance.
05
Supplemental Coverage
Essential Benefits:
- Dental
- Vision
- Fixed Indemnity Plans
- Gap Coverage
Protection Plans:
- Accident & Injury
- Critical Illness
- Short/Long Term Disability
Additional Services:
- Prescription Programs
- Mental Health Resources
- Travel Insurance
- Business Association Benefits
- Flex Benefits
Group Health Insurance for Small & Mid-Size Businesses
If you have employees, benefits are a recruiting tool and a retention lever. We help small and mid-size employers design a package that feels “big-company,” without big-company waste—medical plus the add-ons employees actually use.
Fully insured group
health plans
Predictable monthly premiums with traditional plan structures. Great if you want straightforward budgeting and a familiar employee experience.
Level-funded group
health insurance
A smart middle ground: more cost control than fully insured, with the potential to benefit when claims run lower than expected.
National PPO and
open-access networks
Plans built for teams that need flexibility—especially if you have remote employees or people who travel.
Dental, vision, and
group life insurance
Round out the benefits package with the “expected” coverage that improves enrollment and perceived value.
Telehealth and employee assistance programs (EAPs)
Low-friction support employees can use quickly—often improving satisfaction without major cost increases.
Why Small Businesses Choose Group Health Insurance
Attract and retain
quality employees
quality employees
Benefits are part of comp. If you want better applicants, you need a benefits story.
Improve employee
satisfaction and loyalty
satisfaction and loyalty
When employees feel taken care of, you lower churn and distraction.
Access potential
tax advantages
tax advantages
Some employers may qualify for tax credits under specific conditions, including offering SHOP coverage.
Create predictable
healthcare costs
healthcare costs
Choose a structure that matches your risk tolerance—fully insured for steady premiums, or level-funded for tighter cost management.
Compete with
larger employers
larger employers
Offer a professional benefits package that helps you win talent without matching enterprise payroll.
Why Work With RJ Health Partners
Independent broker – access to multiple A++ carriers
Side-by-side plan comparisons
Clear explanations (no insurance jargon)
Support for both employers and employees
Ongoing service beyond enrollment
Get a quote that’s actually usable.
Tell us your employee count and target budget. We’ll come back with a short list of options and a clear recommendation—so you can make a decision confidently.
Request a Group Health Insurance Quote
