My renewal is getting expensive.
Compare plan designs, employer contributions, and employee out-of-pocket costs. Consider the full cost of coverage alongside premiums.
Group Benefits · PEO Solutions · Medicare
Personal guidance. Benefits that fit your next chapter.
Health insurance decisions matter to your business, your family, and your future. LI Group Benefits helps Long Islanders understand their options with practical, one-on-one guidance.
Group health for employers
Start with what your business needs to solve.
A benefits review should connect your budget, your employees’ needs, and the coverage available to them. We help you compare approaches before making a change.
My employees need different coverage.
Review networks, prescription coverage, and where employees live. Compare a traditional group plan with an ICHRA when appropriate.
I need help making the plan work.
Get guidance on enrollment, renewals, and employees transitioning to Medicare. Review reimbursement and spending accounts that can complement coverage.
Need payroll and HR support as well?
A PEO combines a broader set of services through a co-employment arrangement. Explore our separate PEO section. For HR questions and compliance resources, learn about Mineral HR access.
An alternative approach to employer health coverage
ICHRA: a contribution toward individual coverage.
An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets an employer reimburse eligible employees for individual health insurance premiums and, depending on the arrangement, other eligible medical expenses. Employees select their own individual coverage.
Why consider it?
An employer can set a defined contribution toward coverage, while employees choose from individual plans available where they live. This can be worth reviewing when a group plan’s cost or network is difficult to fit to your workforce.
What should we compare?
- Your contribution budget and employee premium costs
- Local individual plans, doctors, and prescription coverage
- Employee classes, notice requirements, and administration
- Affordability and the effect on Marketplace premium tax credits
- Employee enrollment support and coverage start dates
An ICHRA is not automatically a lower-cost choice. The fit depends on your workforce and the individual coverage available. An affordable ICHRA offer generally prevents eligibility for Marketplace premium tax credits; employees cannot use both an ICHRA and those credits.
KFF: Why employers consider ICHRAs and how they work (opens in a new tab)HealthCare.gov: Official ICHRA explanation (opens in a new tab)
Compare an ICHRA with group coverageHelp with eligible healthcare expenses
HRA and FSA: two different ways to help.
Health Reimbursement Arrangement (HRA)
An employer-funded arrangement that reimburses eligible medical expenses under the plan’s rules. Some HRAs complement a group health plan; ICHRA is a separate type used with individual coverage. Available reimbursements and carryover depend on the arrangement.
Flexible Spending Arrangement (FSA)
A health FSA lets eligible employees set aside money through their employer on a pretax basis for qualified medical expenses. Employers may also contribute. Annual limits and rules for unused funds apply; check your plan’s carryover or grace-period provisions.
PEO solutions for employers
More time for your business.
More support for your people.
LI Group Benefits offers professional employer organization (PEO) options for companies where the arrangement makes sense. We help you evaluate the fit alongside traditional group benefits.
What is a PEO?
A PEO combines services such as payroll, employee benefits administration, HR support, and compliance assistance through a co-employment arrangement. Your company continues to direct its day-to-day operations and employees; responsibilities are allocated under the service agreement.
When is it worth exploring?
Consider a PEO when HR and payroll are taking too much management time, your team is growing, or you want broader benefits and support without building a larger internal HR department.
Why companies consider a PEO
- Less administrative work: Coordinated payroll and benefits administration.
- Benefits options: Access to benefits that may help attract and retain employees.
- HR expertise: Help with employment questions and compliance processes.
- Support for growth: Systems and services as your workforce expands.
Let’s see whether the numbers and services fit.
We’ll review total costs, benefits and provider networks, service quality, and contract terms against your current setup. Savings depend on your company and the proposal; a PEO is not the best fit for every employer.
Request a PEO Fit ReviewLearn more: NAPEO’s PEO overview (opens in a new tab).
Included for all clients
Mineral HR access comes with our service.
All LI Group Benefits clients receive access to Mineral HR. It’s another way we support you beyond your insurance coverage.
Contact us to learn more or get help accessing the service.
Employer coverage resources
Find doctors and drug lists for your group plan.
Use the carrier listed on your member ID card and select your employer plan’s exact network and pharmacy benefit. These tools are for group coverage; Medicare resources are here. External links open in a new tab.
Aetna Provider & Prescription Drug Search
Find doctors and hospitals in your Aetna network and check prescription drug coverage or formularies. Select your specific plan, or sign in for results matched to your coverage.
Anthem
Use the New York directory and the drug list associated with your employer’s plan.
UnitedHealthcare
Find providers for your UnitedHealthcare plan, or sign in for results matched to your coverage. Select the prescription drug list for your plan.
Oxford
In the provider directory, select Employer and Individual Plans, then Oxford Health Plans and your Freedom, Liberty, or Metro network. Sign in to confirm your plan’s pharmacy benefits.
Cigna
Find doctors, hospitals, and facilities in your Cigna network. Match the network to your member ID card, or sign in to your member account.
Employer benefits reading
Perspective for your next benefits decision.
Planning for employer healthcare costs in 2027
Why it matters: A renewal review is a chance to compare your contribution strategy, plan design, and prescription benefits before choosing next year’s coverage.
For individuals & families
Guidance as your coverage needs change.
Changing jobs, reviewing health insurance, or approaching retirement? We help you evaluate individual and family coverage and understand transitions between employer, marketplace, and Medicare coverage.
Talk about health coverageApproaching Medicare?
Our dedicated Medicare center brings together Turning 65 guidance, coverage reviews, Part D information, and helpful research tools.
Explore Medicare GuidanceAdditional coverage
Dental, vision, and travel insurance.
Explore Humana dental and vision options and IMG travel insurance on our dedicated additional coverage page.
About
Stephen T. Sullivan, CLU, CLTC
Stephen has worked in the insurance and financial services industry for more than 30 years. Through LI Group Benefits, he helps clients make sense of Medicare, health insurance and employee benefit decisions with a practical, personal approach.
“The goal isn’t to give you more choices. It’s to help you understand which choices actually matter.”
Contact
Let’s talk about your benefits needs.
For Medicare questions, use the Part C / Part D request or Medigap request.
Stephen T. Sullivan · Licensed Insurance Agent
Call or send a simple appointment request. Do not include Social Security numbers, Medicare numbers, medical records or other sensitive personal information in this form.
Available by phone: 9 a.m.–8 p.m. Eastern
October 15–December 7: Seven days a week
Rest of the year: Monday–Friday
Phone: 516-985-7672