Group Health Insurance

    At FSIA, we understand that your employees are your most valuable asset. In today’s competitive business environment, offering quality health insurance isn’t just a benefit – it’s a strategic investment in your team’s well-being and your company’s long-term success.

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    Why Group Health Insurance?

    As an employer in today's business world, providing each employee with a plan that meets their expectations, can help you business lower turnover and keep a staff that's healthy and insured with peace of mind.

     

    Providing comprehensive health coverage helps:

    • Reduce employee turnover
    • Boost morale and productivity
    • Attract top talent
    • Give your staff peace of mind

    Optional Plans for Small to Mid-Sized Businesses

    We specialize in group health insurance solutions designed for small to mid-sized businesses across Missouri and surrounding states.

    Our specialists work closely with you to build a plan that is:

    check circle 2 (1)  Affordable for your business

    check circle 2 (1)  Flexible to meet diverse employee needs

    check circle 2 (1)  Compliant with state and federal regulations

    Plan Options That Fit Your Business

    Group health insurance plans typically fall into two categories. Each plan type varies in terms of provider networks, out of pocket costs, coverage levels, and billing and reimbursement processes.

    Indemnity Plans (Fee for Service [FFS])
    • Greater freedom to choose providers
    • Pay upfront and get reimbursed
    • Ideal for businesses wanting maximum flexibility



    Managed Care Plans 
    • Health Maintenance Organization (HMO) - Lower costs, network-based care
    • Preferred Provider Organization (PPO) - Flexible provider choice, partial out-of-network coverage
    • Point of Service (POS) - Combines HMO and PPO features

    Flexible Provider Choice, Partial Out-of-Network Coverage

    Health Insurance regulations and options vary by state and business size. That's why our team takes the time to discuss options with you and work together to come up with your benefits solutions.

    Let's build a plan that works for you and your team. Contact an agent at First State Insurance Agency, today to get started.

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    © 2025 FSCB - All rights reserved Bank NMLS 412605 Backed by the full faith and credit of the U.S. Government. First State Community Bank is not registered as a broker-dealer or investment advisor. Investment products and services are offered by First State Financial Management through the registered broker-dealer NBC Securities. Any products and services offered by FSCB are separate and distinct from those offered through NBC Securities.

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    © 2025 FSFM - All rights reserved Securities and advisory services offered through NBC Securities, Inc., a Registered Investment Advisor. Member FINRA/SIPC. FSFM is a subsidiary of First State Community Bank. The FSFM name is used by certain employees of First State Community Bank who offer securities, advisory and insurance products and services through NBC, Securities, Inc. NBC Securities, Inc., is under separate ownership from any other named entity. Not Bank Guarantee ▪ May Lose value ▪ Not a Bank Deposit ▪ Not insured by FDIC or Any Other Government Agency NBC Securities, Inc., Client Relationship Summary

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    Copyright © 2025 First State Insurance Agency, Inc First State Insurance Agency is an affiliate of First State Community Bank due to common ownership. Not a deposit, not FDIC insured, not insured by any government agency, not bank guaranteed and may decrease in value.

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