Commercial Health Insurance

Insurance that covers

what is Commercial Health insurance?

A commercial Health Insurance policy plays an important role in the lives of your employees. Providing the option of quality medical coverage sets your company apart. We can offer coverage for both small and large businesses. A small business is considered 2 to 50 employees, and a large business would be businesses with 100 employees or more. You can even bundle select services to provide the best medical care options for your employees.

Can you have Medicare and Commercial Health Insurance?

Yes! You can have both to help pay for your medical expenses. The coordination of benefits process will take place when you have both types of coverage. This process determines which provider will pay first. Typically the primary provider will pay first until the set limit is reached, and the secondary insurance will pay for the costs that aren’t covered by the primary provider. Using two insurances is a great option, however you still might have to pay some out of pocket. It all depends on the type of coverage you have.

Our Health Insurance Plans


Your employees' basic services will be covered with dental insurance, including teeth cleaning and x-rays with the potential for other major services and surgeries to be covered depending on the plan you choose to offer.


Vision insurance covers the cost of eye care through the premium payment. Vision insurance typically covers annual eye exams and, if necessary, eyewear for your employees.

Why Should You Offer Commercial Health Insurance?

It is much easier than you might think to offer insurance for your employees. With our policies and available bundles, your employees will be happier and healthier. When you offer health insurance, you can save money as an employer and help them save money at the same time. When they have the option to pay with pre-tax dollars, it can save 30-45% on insurance premiums! You can save money as an employer through tax deductions and payroll taxes. Offering Commercial Health Insurance for your employees is a must because it will keep your employees healthy, happy, and bring savings.

Understanding the types of Health Insurance Available to Your Employees

Health Maintenance Organization (HMO)

With a Health Maintenance Organization plan, your employees will have to see doctors in your providers network. Their primary care physician will need to refer them to any specialist from whom they are seeking care.

Preferred Provider Organization (PPO)

In the Preferred Provider Organization, your employees can seek care from any doctor they prefer. However, doctors outside of your provider’s network will most likely cost more. An added benefit is there are no referrals necessary to seek the care of a specialist.

Exclusive Provider Organization (EPO)

In the Exclusive Provider Organization, the only doctors available to your employees are those in your providers network with the exception of emergency treatment. No referrals are needed to see specialists.

What we can do for you

Bundle your Commercial Health Insurance

General Liability Insurance

Whether you are a small business owner or multinational corporation, when it comes to your insurance coverage General Liability should always be at the top of the list.

commercial property Insurance

Allow American Safeguard Insurance to provide critical financial assistance in the event of a loss so that your company can continue to operate with as little disruption as possible.

business owners Insurance

Business Owner's Insurance combines both Property and Liability Coverage into one package protecting you from things like injury, property damage, or loss of income.

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