Employee Benefits

Working with Maddock & Associates does not cost more than going directly to the insurance company, but it gives you an experienced benefits team working on your behalf from start to finish.

As an independent employee benefits broker, we help employers compare plan options, understand carrier differences, evaluate costs, and choose coverage that fits both the business and its employees. Once a plan is selected, our team helps manage the full implementation process, including carrier coordination, enrollment setup, employee communication, plan changes, renewals, and ongoing account support.

Our role does not end when coverage begins. Throughout the year, we help with enrollment questions, employee changes, ID card issues, claims concerns, billing questions, renewal planning, and other service needs that may come up.

Most importantly, when there is a discrepancy or concern, our team can help investigate, advocate on your behalf, and work with the carrier to make sure the plan is being handled according to the contract. Working with Maddock means you have more than a policy. You have a knowledgeable benefits partner helping manage the moving parts.

Maddock & Associates has been helping employers with group benefits for more than 55 years. We do more than gather quotes or hand you a spreadsheet. We help you understand what those quotes actually mean.

As an experienced employee benefits broker, we look at the bigger picture, including plan design, provider networks, carrier reputation, renewal history, claims experience, employee needs, and overall value. Our goal is to help you compare options clearly so you can make a confident, informed decision for your business.

We are also here to answer the questions that do not always show up in a side-by-side comparison. How strong is the provider network? How well does the carrier handle claims? What kinds of rate increases have they had? How are they perceived by employers, employees, and providers?

When Maddock quotes your benefits, you receive more than pricing. You receive experienced guidance, practical insight, and a team that understands how benefits decisions affect your business and your employees.

Insurance companies typically require at least two eligible employees to set up a group health insurance plan. In many cases, eligible employees are those working 20 or more hours per week, though requirements can vary by carrier and plan.

Maddock & Associates can help you understand the eligibility rules, review your options, and walk you through the setup process. Once your plan is in place, we can also help with new hire enrollments, employee changes, renewals, and ongoing plan support as your company grows.

Some employers are required to offer health coverage, depending on the size of their workforce. In general, employers with 50 or more full-time equivalent employees may be subject to employer shared responsibility requirements if they do not offer qualifying health coverage.

That said, many employers choose to offer group benefits even when they are not required to. A strong benefits package can help businesses attract employees, retain good people, and support the overall well-being of their team.

Maddock & Associates helps employers understand their options and build employee benefits packages that make sense for their size, budget, and workforce. Whether you are offering benefits for the first time or reviewing an existing plan, we can help you evaluate what is required, what is available, and what may be the right fit for your business.