Some things in life we are willing to risk; other things, we are not.  That is where we come in to help assess your risk.  At GHG, we have a broad spectrum of insurance products to help protect you against the risk that you can’t afford to take or aren’t comfortable taking.

We work with the leading carriers to bring the best options, pricing, and service to our clients. We match our client’s needs to the best fit in the market.

Individual plans meet the needs of you and/ or your family to protect you against:

-Overwhelming medical costs
-Short-term, gaps in medical coverage
-Loss of Life
-Loss of income due to disability
-Staggering costs of long-term care
-Unexpected complications with International Travel

These plans are purchased by you, in the individual, rather than through your employer.

Employee benefits are offered through the employer at the work-site and are:
-Sponsored by the employer
-Qualified business expenses for the employer
-Can be funded by:
         -The employer
         -The employee
         -A combination of both
-Can be pre-taxed for the employee

Employee Benefits include:
-Medical Insurance
-Supplemental Insurance:
         -Dental
         -Vision
         -Life
         -Disability  (short and long term)
         -Accident
         -Long Term Care
         -International Travel
-Premium only plans
-Flexible Spending Accounts (FSA's)
-Health Savings Accounts (HSA's)
-Health Reimbursement Accounts (HRA's)