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EOCC Think Offering Health Insurance in Your Small Business is Impossible? Think Again

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Healthcare Council Collaborative Virtual Panel Discussing & Networking Three Things You Should Know: Physician Practice & Value Based Care – Is it the key to success

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Sam’s Club Lake Nona 11920 Narcoossee Road, Orlando, FL 32832 FREE to EOCC Members | $10 for Non-Members

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Think Offering Health Insurance in Your Small Business is Impossible? Think Again!

DOROTHY HARDEE, CHAMBER ADMINISTRATOR

Margie Dodson, owner of Nailed It DIY has a small staff of 3-4. The business prepared for its Grand Opening just as the pandemic closed Central Florida.

Determined to stay afloat, she created unique ways to offer clients Take & Make Crafts as well as virtual classes. As businesses started opening, she felt comfortable enough to bring on employees, however, she was concerned she would be unable to offer benefits that would help retain her team.

We know that a smaller employer with less than 50 lives is not required to offer an ACA-described group health insurance coverage for employees. Regardless, Margie felt it was a pipe dream given the presumed cost to her business. Then she explored the Health Benefits program offered by the East Orlando Chamber of Commerce. Joe Filice (Avalon Insurance Services Inc.) & his team discussed the options and showed her how affordable it was.

Margie offered her staff $25 per employee, towards payment of benefits signed up for. Plans were tailored to individuals, set up as a pre-tax contribution and showed her team how valuable they were to the business. The bonus was that Margie would also save on her payroll taxes since Joe was able to set up the program through payroll deduction. In fact, she was excited to share that one of her younger employees got three services that she needed for the $25 employer paid.

Back in September, Harvard Business suggested a health insurance crisis may be looming for employees of small business that were struggling to keep their doors open, let alone meet their share of health insurance costs. Before the pandemic, 60 percent of small business offered health insurance, however the dire economic times caused many to slash employee benefits, choosing wages over health insurance premiums. Making matters worse, many business owners are confused about what they should get, costs, benefits and how it will affect their bottom line.

Jennifer Englert with The Orlando Law Group added components of the Chamber plan as an option for her team. She was grateful not to have to be the expert in all thing’s insurance, relying on the excellent customer service provided by Joe and his team to ensure she had the best products available based on her teams needs. “Joe made this process easy, was thorough and readily available for questions,” said Englert.

Like many in business, the pandemic shined a light on the importance of employee benefits to both the organization and employees’ members. The East Orlando Chamber’s Health Benefits plan offers three Medical Insurance options, vision, dental, supplemental offerings, MDLive and life insurance, which can be easily offered through an employee’s benefit program. It is 100 percent voluntary and does not require any financial, service, or administrative responsibilities or liabilities from the business offering the plan.

Employers also can offer these coverage offerings on a more traditional employer platform being payroll deducted if they so desire and they may also contribute a portion or all the premium. Employers also can custom design a traditional employer benefits package designed specifically for their unique culture, demographics, and needs.

EOCC is extremely proud to work with our partner Joe Filice at Avalon Insurance Services to offer the greatest value to your membership, providing employee health benefits and educational resources. Joe said, “These are unprecedent times and the EOCC is performing industry leading actions to continually meet and exceed the value of your membership.” The current plan will allow Chamber Members and their employees to take advantage of these great options: *EOCC Health Benefits being offered: Medical, Dental, Vision, Life, Accident, Critical Illness, Cancer, Hospital and Telehealth.

*Customizable Employee Benefit Package Offer-

ings: EOCC is offering employee benefits plans similar to what a traditional employer would offer and gives the member the opportunity to purchase what coverages offered best meet their unique personal and family needs. *Ease of enrollment: members can utilize a benefit administration system through an assigned website where all infor-

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