Group Health & Employee Benefits
Calyvra helps employers and organizations offer health and supplemental benefits to their employees—not just a medical plan. From group health to dental, vision, life, disability, supplemental, and gap coverage, we help you build a benefits package that fits your workforce.
Building a Stronger Employee Benefits Package
We help employers assemble a broader benefits offering, coordinating medical coverage with complementary and supplemental products so your team has more complete protection.
- Group health insurance
- Plan comparison and carrier selection
- Employee enrollment support
- Dental and vision benefits
- Life insurance benefits
- Short-term disability (when available)
- Supplemental insurance
- Gap / medical gap coverage
- Benefit coordination and employee education
Coverage That Fits Your Workforce
Every organization is different. We help you evaluate group health coverage and complementary benefits based on workforce size, budget, participation, and benefit goals.
Employer classifications and group-market definitions can vary by state and carrier.
Employer Coverage & Benefit Options
Options to help small and growing employers strengthen their benefits offering
Small Group Coverage
Small businesses generally have 1–50 full-time equivalent employees, although definitions and eligibility rules can vary by state and carrier.
- Compare group health coverage by workforce size, budget & goals
- Plan comparison and carrier selection
- Employee enrollment support
Growing & Larger Employers
Employers with larger workforces may have different coverage structures, carrier options, underwriting rules, and ACA responsibilities.
- Evaluate available group coverage options
- Complementary and supplemental benefits
- Benefit coordination and employee education
Supplemental & Gap Coverage
Medical insurance does not always cover every employee expense. Supplemental and gap coverage can help reduce exposure to eligible out-of-pocket costs, depending on the policy.
- Help reduce exposure to deductibles, copays & coinsurance (depending on the policy)
- Dental, vision, life & disability
- Supplemental health benefits
Why Employers Work With Calyvra Insurance
Support from licensed agents—without the pressure or complexity
No Long-Term Contracts
Work with us on your terms. We provide guidance without locking you into lengthy agreements.
Compliance-Focused
We help you understand your obligations and evaluate coverage approaches that meet regulatory requirements.
Clear Guidance
Our licensed agents explain your options in plain language, helping you make informed decisions for your team.
ICHRA — An Alternative to Traditional Group Health
An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to provide a defined contribution toward eligible employees' individual health insurance coverage rather than offering a traditional group health plan.
Employees can select eligible individual health coverage based on their own needs and available options, while employers gain greater control over how much they contribute toward health benefits.
How Calyvra Can Help
- Compare ICHRA with traditional group health coverage
- Understand contribution and employee eligibility considerations
- Evaluate individual coverage options available to employees
- Coordinate enrollment support
- Work with appropriate ICHRA administration solutions when needed
Employer and group coverage options depend on eligibility, workforce size, location, participation, carrier availability, and other factors. Group-market definitions and employer classifications can vary by state and carrier. Supplemental and gap coverage pay benefits according to policy terms and do not cover every expense. Calyvra Insurance does not guarantee eligibility, pricing, carrier availability, or benefit levels, and does not provide benefits administration, payroll, or HR services. All guidance is provided by licensed insurance agents.