Group Health Insurance

LSM Insurance Associates can help you design, implement and enroll your employees in a variety of coverage options. Whether you have 2 employees or 1000, we can help. Right now, employers just like you are dealing with layoffs, cut-backs and other economic pressures. You need answers and we can help.  You probably need to hold the line on costs.  At the same time, you want to provide robust coverage choices to your employees — and communicate the advantages of their options to them.  LSM Insurance Associates is ready to roll up our sleeves and work along side of you to design the best benefits plan for your budget AND your employees. LSM Insurance Associates provides

  • Group Health Dental, Disability, Life/AD&D & Voluntary plans through a variety of carriers thus helping you to offer the best benefits at competitive prices.
  • We handling enrollment changes for you.  Simply fax the enrollment forms to us and we take care of the rest.
  • Need assistance in enrolling your employees in a variety of plan options we can do that for you at no additional cost.
  • Health Reimbursement Accounts
  • Health Savings Accounts
  • Limited Medical Plans
  • Voluntary Benefits
  • Discount Plans
  • Employee Education Seminars

To get started, we will need a census of your employee population.  Please fax or email it at your earliest convenience. LSM Insurance Group Census Form 2011

  • INCLUSIVE HEALTH RATES TO CHANGE 7/1/2012.

    The premiums will increase an average of 3% on the State Option and an average of 13% on the Federal Option. Inclusive Health premiums are by law based on the average rates in the North Carolina Individual Health Insurance Market. The federal pool rate
    increase was higher than normal because the rates have been held at the current level for 18 months. In addition, this is the first time in over two years that Inclusive Health's overall premium rate average has increased
    Here are the actual changes in premium for each
    of the plans:
    State Option
    PPO 1000 +6%
    PPO 2500 +10%
    PPO 3500 +2%
    HDHP 5000 -2%

    Federal Option
    PPO 1000 +20%
    PPO 2500 +22%
    PPO 3500 +10%
    PPO 4500 0%

affordable dental plans