Group Insurance Benefits · Denton, TX
Attract. Retain.
Protect Your Team.
We help Texas business owners find excellent group insurance plans — health, dental, and disability — at the best possible combination of price and coverage for your Denton employees.
Why Group Benefits Matter
The right group plan doesn’t just cover employees — it builds your business.
Competitive group benefits are one of the most powerful tools a Denton employer has for attracting high-value employees and keeping them. In a tight labor market, the quality of your benefits package is often the deciding factor.
But navigating group insurance has become significantly more complex over the past few years. High-deductible, HSA-compatible plans have largely replaced traditional HMO and PPO structures — and if you’re not familiar with the differences, it’s easy to make a costly mistake that locks your entire team in for up to a year.
That’s where we come in. We have access to a wide range of group insurance carriers and can pair your business with the best possible combination of price and coverage — without the guesswork.
Get a Free Group QuoteWe serve employers with:
Don’t make a plan choice you can’t reverse for 12 months.
Group insurance is a commitment — for you and every employee on the plan. Choosing the wrong plan type, deductible structure, or carrier can lock your team into inadequate coverage for a full year. With multiple employees relying on your decision, the cost of a mistake is significant. Our brokers help you get it right the first time.
What We Offer
Three categories of group coverage — all under one roof.
You don’t have to shop separately for each benefit type. We coordinate all three, making sure they work together and stay within your budget.
Group Health Insurance
The cornerstone of any employee benefits package. We source group health plans from multiple carriers and match your business with the right structure — traditional PPO, high-deductible, HSA-compatible, or our flagship level-funded plan that saves most employers 30–40% vs. ACA pricing.
- Traditional PPO & HMO options
- High-deductible HSA-compatible plans
- Level-funded flagship plan (30–40% less than ACA)
- First-dollar coverage options available
- Guarantee issue for 8+ enrolled employees
- $525/employee/year payroll tax savings
Group Dental
Dental benefits are among the most valued perks employees report — and among the easiest to offer. We connect your team with group dental plans that cover preventive care, basic procedures, and major work at rates employees can actually afford.
- Preventive care (cleanings, exams, X-rays)
- Basic services (fillings, extractions)
- Major services (crowns, bridges, root canals)
- PPO plans — use any licensed dentist
- Network plans for enhanced in-network rates
- Orthodontia options available
Group Disability
Most employees couldn’t survive financially if they were unable to work for 3 months. Group disability coverage protects your team’s income when illness or injury keeps them from working — and it protects you from the financial and morale fallout of an unprotected workforce.
- Short-term disability (STD) plans
- Long-term disability (LTD) plans
- Own-occupation & any-occupation definitions
- Employer-paid & voluntary options
- Elimination period flexibility
- Income replacement up to 60–70% of salary
Understanding Your Options
Group plan types — plain language.
The shift from traditional to high-deductible plans has created a lot of confusion for employers. Here’s what each structure means for your business and your employees.
HMO / PPO Plans
Traditional plans offer predictable co-pays and broader coverage from the first visit — but premiums are higher. Employees stay in-network (HMO) or pay more out-of-network (PPO). Best for teams who use their benefits regularly and value simplicity over cost.
HDHP + HSA Plans
Lower monthly premiums in exchange for a higher deductible before coverage kicks in. Paired with a Health Savings Account (HSA), employees can save pre-tax dollars for medical costs. Best for healthy employees who rarely use care and want to build savings.
Level-Funded Plan
The best of both worlds. Fixed monthly costs like fully-insured, with the potential to get money back if claims run under budget. Includes first-dollar coverage, no deductible, 24/7 telemedicine, and patient advocacy. Typically 30–40% less than ACA group pricing.
Why Work With Us
Independent brokers work for you — not the carriers.
When you go directly to a single carrier, you see one menu. When you work with us, you see the whole market — and we help you make sense of it.
Unbiased Market Access
We work with a wide range of group insurance companies — we have no incentive to recommend one carrier over another. Our recommendation is based solely on what fits your team and your budget best.
Side-by-Side Comparisons
We present plan options in plain language, side by side, so you can make a genuinely informed decision. No jargon, no pressure — just a clear view of what each option costs and covers.
Enrollment & Administration
We handle the enrollment process for you and your employees, guide everyone through plan selection, and stay available for questions throughout the plan year. Your HR burden drops significantly.
Annual Renewal Reviews
Before each renewal, we review your current plan, assess the market, and recommend changes if something better has become available. You never have to worry about staying on a plan past its prime.
Ongoing Claims Support
When employees have claims questions or billing issues, we’re the first call — not the carrier’s 1-800 line. We advocate for your team and help resolve issues quickly.
No Cost to You
Our broker services are paid by the carriers — you pay the same premium whether you go direct or through us. Working with an independent broker costs you nothing and gives you everything: expertise, comparison, and advocacy.
The Process
Simple from start to coverage.
Getting your team the right group benefits doesn’t have to be time-consuming. Here’s exactly what working with us looks like.
Free Consultation
We start with a conversation — your business size, current plan (if any), employee makeup, and what matters most to your team. No commitment, no pressure.
Market Analysis
We search across our carrier network to find health, dental, and disability options that fit your budget and employee needs — then present them side by side so the choice is clear.
Guided Enrollment
Once you choose a plan, we walk every employee through their options and enrollment — making sure nobody is left confused or uncovered. Your HR team barely has to lift a finger.
Year-Round Support
Claims questions, mid-year changes, new hires, and annual renewals — we handle it all. Your employees have a real person to call when they need help.
Common Questions
Answers before you have to ask.
How many employees do I need to offer group insurance?
In most cases, you can offer group health insurance with as few as 2 employees. Our flagship level-funded plan offers guarantee issue (no medical underwriting) with a minimum of 8 enrolled employees. We’ll clarify eligibility requirements for your specific situation in a free consultation.
What’s the difference between a PPO, HMO, and a level-funded plan?
A PPO gives employees broad network access and out-of-network flexibility at a higher premium. An HMO is more restrictive but lower cost. A level-funded plan is our flagship option — fixed monthly costs, no deductible, first-dollar coverage, with the potential for a year-end refund if claims run under budget. Most employers we work with find the level-funded plan delivers significantly better value.
Do I have to offer all three coverage types — health, dental, and disability?
No. You can start with any combination. Many businesses begin with group health and add dental as they grow. Disability is often the most overlooked — but statistically one of the most valuable. We’ll help you prioritize based on your team’s needs and your budget.
Can employees cover their families on a group plan?
Yes — dependents (spouses, children) can typically be added to group health and dental plans. The cost structure varies by plan, and we’ll walk through contribution strategies that keep it affordable for both the employer and the employee.
What does it cost to work with Fredrick Insurance Brokers?
Nothing. Our fees are paid by the carriers — the same way real estate agent commissions work. You pay the same premium whether you come to us or go directly to a carrier. The difference is you get an independent advisor comparing the full market on your behalf, handling enrollment, and supporting your team all year long.
Ready to Get Started?
Let’s build a benefits package your team will value.
Call our Denton office or get started online. We’ll make the process simple — from the first conversation through enrollment and beyond. No commitment required to get a quote.
📍 502 W Oak St STE 102A, Denton, TX 76201 · Mon–Fri 9AM–5PM
Fredrick Insurance Brokers is an independent licensed insurance agency. Plan availability, features, and pricing vary by carrier, group size, location, and employee census. This page may not display all available plan options. Contact us for a personalized group benefits analysis.
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Independent, family-owned health insurance agency serving Denton, TX and all of North Texas. Katherine Clark & John Fredrick work in the best interest of their clients, not the carriers.
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