Expert Guidance for Group
Health Insurance Solutions
Customized insurance plans for small businesses in NJ and NY. Empower your employees' health and drive company growth with our expert brokerage.
Plan Eligibility Guidelines
Businesses must be registered in the states of New Jersey
Must have a minimum of two full-time W-2 employees
Staff must work at least 30 hours every week
Employers must pay at least 50% of the total monthly insurance premiums
A participation rate of at least 75% for all eligible employees is required
Group Health Plans
HMO: Health Maintenance Organization
Affordable coverage managed by primary doctors, ideal for small businesses needing quality care with lower premiums and easy management.
PPO: Preferred Provider Organization
Flexible plans that allow staff to see specialists without referrals, recommended for businesses wanting to offer a wide choice of doctors.
EPO: Exclusive Provider Organization
Access to in-network providers without a referral, offering a balance of PPO flexibility and HMO cost-effectiveness for your team.
POS: Point of Service
Combining HMO and PPO features, this plan provides a primary doctor while allowing out-of-network care for a higher out-of-pocket cost.
HSA: Health Savings Account
A savings-linked plan with higher deductibles that allows healthy employees to save tax-free funds for their future medical expenses.
Business Benefits
- Attract and retain top-tier talent with competitive benefits
Increase workplace productivity by prioritizing employee wellness
Maximize tax savings through deductible premium expenses
Build a loyal workforce and a thriving company culture
Benefits of Group Health Insurance for Employees
Reduced Medical Costs
Access high-quality medical services at lower costs than individual plans while significantly decreasing your personal out-of-pocket expenses.
Family Coverage Benefits
Extend the same level of healthcare benefits to your spouse and children to ensure the reliable protection of your entire family budget.
Annual Preventative Care
Enjoy support for yearly check-ups and vaccinations that help you detect illnesses early and maintain a healthy, active lifestyle daily.
Mental Health Support
We care for your complete well-being by providing specialized counseling services and stress management to support your emotional health.
Long-Term Growth Support
Strong benefits enhance your sense of belonging and provide a stable foundation for you to grow and thrive within the company long-term.
Tax Savings and Convenience
Reduce your income tax through pre-tax deductions while your company handles all the complex insurance administration for your ease.
Necessary Documents
1. Official Business License
2. Employee Census: Names, DOBs, Zip Codes, and Family Info
3. Most Recent Quarterly Wage Report (e.g., Form WR-30)
4. Current Policy Renewal Notice (if insured)
Why Choose Cham Joun for Your Group Plan?
Expert Guidance
Our seasoned specialists design personalized plans tailored to your specific workforce and business environment, leveraging years of industry experience.
Market Analysis
We provide efficiency by comparing prices and benefits across all major insurance carriers, rather than being limited to just a single provider option.
Bilingual Support
We explain complex policies clearly in both Korean and English, ensuring that both employers and employees fully understand their coverage and benefits.
Administrative Help
We handle medical claim disputes and insurance paperwork for you, allowing you to stay focused on running your business without administrative burdens.
Long-term Partner
We provide more than a one-time contract by reviewing the market at every renewal to ensure your insurance solutions grow alongside your business success.