roup Health Plus is an independent insurance brokerage firm known for our expertise in employer sponsored benefit programs for businesses with 2-250 employees. We offer individual insurance products and senior products to meet the needs of our clientele.

With over 40 years of insurance experience, Group Health Plus knows how to give competent advice. Tom Short, the owner of Group Health Plus, is a Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).

Why do business with Group Health Plus?

We offer a broad range of Employee Benefits and Executive Benefits. When you do business with us, you deal with the owner, Tom Short. He has been in the insurance business for 40 years and his focus is client service. We focus on the needs of our clients and do what is best for them.

Whether you are in need of a group insurance package for your employees or help with retirement planning, estate planning, buy-sell agreements, or executive benefits; we have the experience and expertise to guide you through these complex matters. We obtain on going education and access to resources that keep us up to date on the latest developments in our field. We network with credentialed professionals in related disciplines allowing us to offer more efficient and effective solutions to the needs of our clients. We have access to nationally recognized experts from whom we can additionally obtain insights both informally and formally on issues important to our clients. As a company, we set clear ethical standards which are the benchmarks of our practice.

What We Can Do for You

(select a section to learn more)

Group Health Insurance

We represent all major group health insurance plans and shop the market to place your employee benefits package with the most cost effective solution.

Ancillary Group Products

Dental, vision, group term life, short and long term disability insurance, and long term care insurance.

Voluntary Supplemental Insurance Plans

These insurance plans offer employees a broad range of products designed to help supplement employer provided group insurance plans. This is becoming more and more important as the cost of medical care continues to rise and employers are forced to shift costs to employees through higher deductibles, co-pays, and total out of pocket costs. Supplemental insurance plans such as accident, critical illness, and hospital confinement insurance help fill the gaps in group health insurance due to the higher deductibles, co-pays, and total out of pocket costs.

Sec.125 Cafeteria Plans, HRA(Health Reimbursement Arrangements, COBRA and HIPAA Administration, HSA(Health Savings Account)

We Help facilitate all of these important employee benefit areas through third party administrators.

Affordable Care Act(ACA) Advice and Counseling

We educate employers about the ACA and help with determining their responsibility of providing coverage to their employees.

Access to our Human Resources and ACA Consultant Attorney Firm

As a client of Group Health Plus, you receive access to ETC HR, LLC. They can guide your firm to becoming ERISA compliant and guide you through the legalities of the Affordable Care Act. As a client of Group Health Plus, you are entitled to a two hour training webinar on ACA 101 and general HR hot topics. Any legal work done by ETC HR, LLC will be heavily discounted because of your relationship with Group Health Plus.

Individual Health Insurance

We provide health insurance to individuals that are not covered through their employers and self employed business owners. We provided both on and off exchange health plans. We provide the guidance needed to determine subsidy eligibility and help with purchasing coverage on the Federal Health Exchange if you are eligible for a subsidy.

Business Continuation Planning

If you had retired, died, or became disabled yesterday who would own and manage your business today? Would you want your business interest retained for a family member, sold, or liquidated? Will the funds be available to complete the purchase at your death, disability, or retirement? Will there be sufficient funds available to allow for a planned liquidation? These and many other questions are addressed in our business continuation planning process that includes the use of Buy Sell Agreements.

Estate Planning

With a simple "I Love You” will, all assets are generally left to the surviving spouse at the first spouses death. The unlimited marital deduction is applied and no estate taxes are paid on the first transfer, meaning that the unified credit amount…the amount that can be transferred to anyone free of estate tax…is wasted at the first spouse’s death. As a result, at the surviving spouse’s death, the estate may be more heavily taxed, resulting in shrinkage in the size of the estate that is ultimately received by the heirs. With the help of our referral law partners, trust arrangements can be set up to minimize this shrinkage in the estate.

Retirement Planning

When should I start taking Social Security benefits? How do I maximize the amount of benefits that I am entitled to receive? What factors do I need to consider in order to make the correct decision? These and other questions are answered with our Social Security Maximization process. Will I have enough money to retire at a certain point in time? We will analyze your current budget and your retirement budget by comparing all expenses and income sources. Any gaps in needed income at the time of your preferred retirement age will be addressed and solutions laid out in a simple format.

Non-Qualified Supplemental Retirement Plans

We can set up supplemental retirement plans for yourself and the key employees of your company. These plans are non-qualified, so you can pick and choose who you want to include in the plan. These plans are primarily designed to retain Key employees and are also known as Golden Handcuff plans.

Life Insurance and Annuities

We represent all of the major carriers for term, whole life and universal life insurance. We also work with fixed, and equity indexed annuities.

Client Testimonials

Michael Ketterman

“Tom has provided help for me to obtain excellent health insurance for the past two years. While most health insurance providers can make sure you’re covered, Tom takes extra care to ensure that we have just what we need, no more no less. Tom has a remarkably quick response time to my questions and concerns either with a call or visiting my office. Tom stays abreast of his industry and thus brings a high level of expertise.

If you are looking for a dependable, down-to-earth, very responsive health services specialist to help you understand and navigate all the new health coverage laws, communicate in words you can understand while helping you keep your costs down and helping you feel secure about your health coverage and options, I highly recommend Tom Short.”

Vintage Reconstruction, Inc.

“Tom Short with Group Health Plus has provided health insurance coverage for our company. We are a small company; however Mr. Short has treated us as if we were on the Forbes 500 list. He returns calls right away and when our renewal was coming up, he called me personally to give me several options that we could go with. He is honest and has explained the very confusing world of health insurance to me. I would highly recommend Mr. Short.”

Emergency Sample

“Our broker, Tom Short, has been taking care of our company’s group health and life plans since 1997. We have been with several insurance carriers during that time and we feel confident that the plans selected through Tom and his firm have been the correct fit for our organization. They always return phone calls in a timely manner and give us the service that we need.”