Yes. We can design a bundled or modular plan based on your company’s goals and employee demographics—allowing you to offer coverage tiers or customized benefits by rank.

Most group benefit plans start with a minimum of 5 to 10 employees, but this varies by insurer and product. We can advise on the best option for your current headcount.

HMO provides access to a network of accredited providers with no cash outlay for covered services, while Group Health Insurance (GHI) offers more flexible reimbursement-based coverage, often with higher limits and wider provider access.

Yes, most providers allow coverage for legal spouses and dependent children. You can also choose whether the company will subsidize this or make it voluntary.

Coverage typically ends on the employee’s last day or at the end of the current billing cycle. However, some plans offer portability options or conversion to individual plans.

It depends on the complexity and provider, but generally 2–4 weeks from submission of complete requirements. LLIBI manages onboarding, enrollment, and provider coordination for a smooth rollout.

We provide full account servicing—claims assistance, LOA coordination, provider management, employee orientations, and reporting. Your HR team gets a dedicated support channel.

Yes. We can review your existing program and offer alternatives based on value, network, and service quality. We’ll guide the transition to ensure continuity for your employees.

We typically ask for:

• Employee census (names, birthdates, positions)
  
  
• Current plan details (if any)
  
  

Claims experience or utilization (if available)
We’ll use these to recommend plans and negotiate with providers on your behalf.