Tell us about your team
Share who is eligible, where they live and what you want to offer. Your Spot team asks about your budget and any current plan.
Maple Street Co.Organized by Spot
Employee Health Benefits Quotes
Get employee health benefits quotes with Spot
Give your Spot team your headcount and priorities, and we prepare the information brokers use to bring you group health plan options.
Get quotes from 10+ employee health benefits providers
- Workforce and budget described once
- Funding, networks and employee contributions side by side
- Keep your broker or switch, with no commissions on premiums
How it works
Add your current plan
We gather your current plan documents, the provider directory and your Summary of Benefits and Coverage so options can be compared against it.
Employee health and benefits
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to bring back plan options, and follow up on what carriers need to know about your group.
# spot-support
AlexMaple Street Co.
What do we need to request employee health and benefits quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare more than the premium
Each option’s funding approach, network, employee contributions and total cost are lined up so you can explain the change to your team.
Insurance documents
Quote requestEmployee health and benefits
Coverage limits · Policy terms
Maple Street Co.
What you’ll need
- 01
Eligible employees
Who can enroll, including part-time staff and dependents.
- 02
Where employees live
Locations, since provider networks vary by area.
- 03
Benefits you want to include
Medical, and whether dental, vision, life, disability or retirement benefits are part of the program.
- 04
Budget and contribution approach
What you plan to pay and what employees would contribute.
- 05
Current plan documents
Your existing plan, its network and out-of-pocket costs.
- 06
Funding preference
Fully insured, or self-funded with an administrator and stop-loss.
- 07
What employees need from a plan
Doctors, specialists or prescriptions that matter, since networks and drug lists can be decisive.
What affects your price
- 01
Funding approach
A fully insured plan trades a premium for the insurer taking claim costs. A self-funded plan leaves your business bearing them.
- 02
Plan design
Out-of-pocket costs and benefits shape the premium.
- 03
Network
Broader provider networks can change cost.
- 04
Employee contributions
How much staff pay changes what the company pays.
- 05
Stop-loss terms
For self-funding, attachment points, exclusions and claim rules affect total cost.
Providers your broker can approach
Get quotes from 10+ employee health benefits providers.
- AIG
- Founder Shield
- Gallagher
- Heffernan Insurance Brokers
- HUB International
- Lockton
- Marsh
- And many more
Common questions
Can employees keep their doctor?
It depends on the plan’s network and out-of-network benefits. We use the provider directory and the Summary of Benefits and Coverage to explain it.
What is the difference between fully insured and self-funded?
With a fully insured plan the insurer takes on covered claim costs for a premium. With self-funding your business takes on claims responsibility, often with stop-loss protection.
Is this the same as workers’ compensation?
No. Employee health benefits cover non-work medical care. Workers’ compensation addresses work-related injuries, and Spot has a separate page for it.
Can my benefits broker use what Spot prepares?
Yes. Spot works alongside benefits brokers and takes no commissions on premiums, and you can switch if you want a different one.
Related
Get insurance off your to-do list.
Give your Spot team your headcount and priorities, and we prepare the information brokers use to bring you group health plan options.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
