...strategies in a constantly changing environment.
410-420-2828
866-808-4393
ga@groupbenefitstrategies.net
Fax: 410-420-8488
21 Powell Avenue
Bel Air, MD 21014
866-808-4393
Fax: 410-420-8488
Bel Air, MD 21014
If you are shopping for insurance outside of an employer plan, Group Benefit Strategies, LLC can help you compare individual insurance options based on your needs, budget, provider preferences, prescriptions, and stage of life. Our Bel Air, MD insurance brokers assist individuals, families, self-employed professionals, retirees, and people transitioning from employer-sponsored coverage.
Call Group Benefit Strategies at 410-420-2828 for an employee benefits assessment or contact us online to discuss your group insurance needs.
Group Benefit Strategies can help with several types of individual insurance, including individual health insurance, dental insurance, vision insurance, life insurance, disability coverage, long-term care insurance, Medicare Supplement plans, Medicare Advantage plans, and Medicare Part D prescription drug coverage, fixed indemnity, and short term medical policies.
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Yes. Group Benefit Strategies helps individuals compare coverage options outside of an employer-sponsored plan. This may include private individual health insurance, ACA marketplace coverage, Medicare-related coverage, and other individual insurance options depending on your eligibility, state, and available carrier choices.
For more information, visit: Individual Health Insurance
Yes. Group Benefit Strategies has been recognized in the Top 100 Brokers in MD through the Maryland Health Connection and can help individuals review options through the federal marketplace, state-run marketplaces, and private individual insurance plans where available. We can help explain plan differences, provider networks, premiums, deductibles, and whether marketplace financial assistance may apply.
The live Individual Health Insurance page also notes that GBS can help people navigate online options in Maryland, Delaware, and Pennsylvania and can assist with marketplace or non-marketplace options depending on subsidy eligibility. Consumers can enroll online directly through our website for convenience in a secure website portal setting up premium payment and recuring payments. It is very easy and user friendly.
Most individual health insurance plans follow an annual Open Enrollment Period. You may also qualify for a Special Enrollment Period if you experience certain life changes, such as losing employer-sponsored coverage, moving, getting married, having a child, or another qualifying event. Consumers can enroll online through our secure website portal as well adding convenience and security.
Yes. Group Benefit Strategies can help you review whether you may qualify for marketplace financial assistance based on household size, estimated income, state rules, and available plan options. Final eligibility is determined through the applicable marketplace. GBS, LLC has been recognized through the MHC as one of the Top 100 Brokers.
Yes. Group Benefit Strategies can help review carrier and plan options that may offer broader network access or out-of-network benefits, where available. Options depend on your state, the carriers available in your area, and the rules of each plan.
We can compare plans using spreadsheets, side-by-side evaluations, and plan reviews that show the positives and negatives of available carrier options. This may include premiums, deductibles, copays, coinsurance, provider networks, prescription coverage, claims experience, carrier service, and overall plan value.
For carrier-related information, visit: Insurance Carriers
Yes. When comparing health plans or Medicare-related coverage, we can help review prescription drug coverage, formularies, copays, preferred pharmacies, and possible restrictions such as prior authorization or step therapy.
Yes. We can explain the tradeoff between a lower monthly premium and higher out-of-pocket exposure versus a higher premium and lower deductible. The right choice depends on your budget, expected medical use, prescriptions, doctors, hospitals, and comfort with financial risk.
Yes. We can help with COBRA State continuation or offer a marketplace or private individual health insurance plan.
If you lose employer-sponsored health insurance, Group Benefit Strategies can help you review your options. Depending on the employer size and situation, this may include State Continuation for employers with fewer than 20 employees, COBRA for employers with 20 or more employees, ACA marketplace options, or private individual health insurance. If continuation coverage is too expensive, we can help compare marketplace or private plan alternatives.
Yes. Group Benefit Strategies helps families, self-employed individuals, independent contractors, retirees, and people who do not have access to employer-sponsored coverage. We can help compare coverage based on your household needs, budget, age, state, and available carrier options.
The Maryland Service Area page also notes that GBS serves individuals and businesses and can help self-employed, unemployed, and other individuals evaluate individual insurance options.
Yes. We have individual products with carriers to support all of these types of insurance.
Yes. Group Benefit Strategies can assist individuals with life insurance, disability coverage, and supplemental insurance options. Some individual benefit options may also be available through online shopping and enrollment resources on the GBS website.
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Yes. Group Benefit Strategies can help individuals review dental and vision insurance options. Individual dental insurance may help with preventive care such as cleanings and x-rays, while vision coverage may help with routine eye exams, glasses, contacts, or related vision care depending on the plan.
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Yes. Group Benefit Strategies can help individuals review Medicare-related coverage options, including Medicare Supplement plans, Medicare Advantage plans, and Medicare Part D prescription drug plans. Medicare choices should be reviewed carefully because provider access, prescriptions, premiums, out-of-pocket costs, and plan rules can vary. On staff is an American Health Insurance Plans (AHIP) certified agent to assist to make sure the consumer is receiving all the professional advice for selecting a Medicare plan.
For more information, visit: Medicare Supplemental Insurance
Yes. Group Benefit Strategies can help individuals review HSA-compatible insurance options when available. An HSA can allow eligible individuals to set aside pre-tax money for qualified medical expenses, including deductibles, copays, coinsurance, prescriptions, and some over-the-counter medical costs.
For more information, visit: HSA Insurance Plans
Working with an independent individual insurance broker is much more advantageous compared to a captive agent where they only can offer one carrier.
No. The insurance companies pay the insurance broker and agent a commission that is provided monthly based on the carrier’s commission guidelines.
In all cases, there is no direct cost for individuals to work with Group Benefit Strategies. Insurance carriers compensate brokers through commissions that are built into plan premiums. As your broker, we can help explain your options and act as a resource for the plan you choose.
Yes. Group Benefit Strategies can remain a resource after enrollment. We can help with renewal reviews, coverage questions, plan changes, carrier questions, and future benefit comparisons when your needs change.
You can get started by phone, in person, or through a virtual consultation using platforms such as Zoom, Microsoft Teams, or Webex. You may also request information through the GBS website.
Choosing individual insurance can be confusing, especially when comparing premiums, deductibles, provider networks, prescriptions, marketplace plans, private plans, Medicare options, and supplemental coverage. Group Benefit Strategies can help you review your options and choose coverage that fits your needs.
Content reviewed for clarity, insurance relevance, and employer usefulness by Group Benefit Strategies, LLC, an independent insurance brokerage located in Bel Air, Maryland. Group Benefit Strategies helps employers evaluate group insurance, employee benefits, HR support, payroll consulting, compliance resources, and renewal strategies across Maryland, Delaware, Pennsylvania, and the surrounding Mid-Atlantic region.