OUR SERVICES

Employee Benefits

Mark E. Snapp & Associates is a small business health insurance broker serving the Charleston, WV, area that helps employers choose the best employee benefits packages. We also help with group health insurance, life insurance, and disability benefits in Morgantown, Huntington, Parkersburg, Beckley, WV, and Palm Beach, FL. With offices in Charleston, West Virginia and Palm Beach, Florida. Contact us today to learn more about our medical plans and other services.

Tax Savings

Did you know that as an employer, your spending on employee health coverage premiums is exempt from taxation by the IRS? Federal law also gives you a tax break through the Small Business Health Care Tax Credit if your business meets certain criteria.

Mark E. Snapp & Associates can help you learn more about tax-advantaged group health plans, such as:

• Health Savings Accounts (HSAs)
• Health Reimbursement Arrangements (HRAs)
• Flexible Spending Accounts (FSAs)
• Premium Only Plans (POPs)

Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs)

Life & Disability Insurance

Disability insurance pays for a portion of your employees’ wages when they are too sick or disabled to work. Short-term disability is ideal for events such as recovery after surgery or taking time off after the birth of a child, while long-term disability can cover severe injuries, mental health conditions, and serious medical issues, such as cancer.

Your employees likely worry about what will happen to their loved ones if they pass away. By offering life insurance, you can give employees peace of mind because they know their beneficiaries will be cared for even after they’re gone. To learn more about your coverage options, give us a call.

Group Dental & Vision

As an employer, you can choose from two types of dental insurance: Dental Health Maintenance Organizations (DHMOs) and Dental Preferred Provider Organizations (DPPOs). DMHO plans typically require employees to get a referral to see a specialist, while DPPO plans don’t. Not sure which is right for your business? Let us help.

You can also offer employees a vision discount plan or vision benefits plan. These employee benefits cover discounts on glasses and contacts, eye exams, and preventative care. Some plans also cover eye-related surgical costs.

ACA Compliance

If your business employed 50 or more full-time workers in the previous year, you must comply with Affordable Care Act (ACA) health insurance requirements or risk expensive penalties from the IRS. Mark E. Snapp & Associates will work with your business to ensure it meets all requirements to stay ACA compliant. Contact our office today to learn more.