Business Details
35 Years
experience
Small Business Health Insurance Solutions in Suwanee, GA
At Beneplans Employee Benefit Specialists Employee Benefit Specialists, we have dedicated ourselves to providing tailored health insurance solutions for small businesses since 1991. Our team of licensed professionals specializes in designing employee benefit packages that balance cost-effectiveness with comprehensive coverage, including self-funded plans, health reimbursement arrangements, and wellness programs. With over 25 years of industry experience, we represent major carriers like Aetna, Humana, and United Healthcare while maintaining a client-focused approach centered on personalized service.We leverage our expertise to help employers navigate complex insurance options, implement tax-advantaged accounts like HSAs, and qualify for potential federal tax credits. Our virtual capabilities enable us to serve Georgia businesses both locally and statewide through efficient online enrollment systems and customized plan presentations. Every decision we make prioritizes transparent communication, regulatory compliance, and measurable value creation for our clients.
Services
Self-Funded Plans
SHOP Programs
HRA Accounts
HSA Plans
Wellness Programs
Details
- Year established: 1991
Highlights and features
- We have over 25 years of experience in small business health insurance planning
- Our specialists hold active licenses for SHOP plan enrollment in Georgia
- We offer tailored insurance solutions from major national carriers
- Our virtual enrollment tools simplify the benefits administration process
- We provide personalized guidance for tax-advantaged health account options
Services
Self-Funded Plans
Self-funded health plans allow small businesses to manage healthcare costs by assuming financial responsibility for employee medical claims. This approach offers greater flexibility in plan design while maintaining predictable expenses through stop-loss insurance. Employers with healthy workforces benefit from potential premium savings compared to traditional insured plans.
SHOP Programs
The Small Business Health Options Program (SHOP) enables qualifying employers to offer group coverage while earning tax credits up to 50% of premium contributions. Our licensed agents help Georgia businesses navigate enrollment, qualify for available incentives, and select from multiple carrier options. This program simplifies providing comprehensive benefits to employees through a state-approved marketplace.
HRA Accounts
HRA accounts let employers reimburse employees for qualified medical expenses through employer-funded health reimbursement arrangements. These tax-advantaged accounts work with high-deductible plans to offset out-of-pocket costs while reducing overall premium expenses. Employers maintain control over funding amounts while providing flexible healthcare support to their workforce.
HSA Plans
HSAs combine tax-free savings with qualified high-deductible health plans to create long-term healthcare funding solutions. Employees can contribute pre-tax dollars for medical expenses while employers may offer matching contributions. These accounts offer triple tax advantages with lower monthly premiums compared to traditional copay-based insurance plans.
Wellness Programs
Wellness programs help employers promote healthier lifestyles among employees while potentially reducing healthcare costs. These initiatives include preventive care incentives, health assessments, and wellness activities tailored to specific workforce needs. Implementing wellness components can improve employee productivity and reduce overall claims expenses for self-funded plan holders.
People
Steven McClelland
Owner & Employee Benefits Specialist
Steven McClelland has specialized in small business health insurance planning since 1991. As Beneplans Employee Benefit Specialists Employee Benefit Specialists founder, he develops cost-effective benefit strategies for Georgia employers while maintaining active licensing for SHOP plan enrollment. He focuses on creating customized solutions that balance affordability with comprehensive coverage options.
Questions
What health insurance options do you offer for small businesses?
We provide self-funded plans, SHOP programs, HRAs, HSAs, and wellness programs tailored to small business needs in Georgia. Our specialists help select appropriate solutions based on workforce size and budget considerations.
Are you licensed to work with Georgia businesses?
Yes, our agents hold active licenses for SHOP plan enrollment in Georgia. We serve local companies in-person and statewide through virtual meetings and online enrollment tools that simplify the process.
How do self-funded health plans work?
Self-funded plans allow employers to pay employee medical claims directly while maintaining predictable costs through stop-loss insurance. This approach can reduce premiums for businesses with healthy workforces compared to traditional insured plans.
What tax credits are available through SHOP programs?
Qualifying employers can earn tax credits worth up to 50% of their premium contributions through the Small Business Health Options Program. Our specialists help Georgia businesses meet eligibility requirements and maximize available incentives.
How do HRA and HSA accounts differ?
HRA accounts are employer-funded and reimburse medical expenses, while HSAs allow employee contributions. Both work with high-deductible plans to reduce premiums but differ in funding flexibility and ownership structure.
Can out-of-state businesses use your services?
While located in Suwanee, GA, we specialize in Georgia-based businesses through virtual meetings and online enrollment systems. Our current licensing and expertise focus specifically on Georgia market requirements and carrier networks.
Reviews (4)
Tabitha McNair
Feb 28, 2021
Report
Positive:Professionalism,Quality,Responsiveness
Great experience with Beneplans & especially Steven M. Steven was very responsive and professional at all times even with all my questions. He really helped our small business be able to provide our employees with the benefits we knew they deserved. Thank you guys again!
Great experience with Beneplans & especially Steven M. Steven was very responsive and professional at all times even with all my questions. He really helped our small business be able to provide our employees with the benefits we knew they deserved. Thank you guys again!
Quapri Pitts
Dec 11, 2019
Report
I worked with Steve, he was a big help getting us quotes, personalizing it to my company and still being a big help coordinating between my company and Humana after our open enrollment period. We are very happy to work with Health Plans of Georgia.
Farida Nurani
Dec 03, 2019
Report
I have worked with Steven at Health Plans of Georgia for many years for our company's insurance needs. He is a pleasure to work with and always very helpful. Steven patiently explains the pros and cons of each plan and advises on the best options for both employees and employers. Thank you Steven!
Magnolia Lawn
Dec 01, 2019
Report
Health plans of Georgia has been helping us with our health insurance needs for approximately the last 20 years. Through all of this time, Steve McLelland has been extremely diligent in reacting to the changing times and our ever-changing needs. He has always acted quickly and has always worked hard to give us options and has helped us to choose the right ones. Steve and Health plans of Georgia have our utmost respect and we highly recommend them.
