Business Details
48 Years
experience
Trusted Insurance & Employee Benefits Solutions in San Antonio
Group Health Plus has been a trusted independent insurance brokerage firm since 1978, specializing in employer-sponsored benefit programs for businesses with 2-250 employees. Our owner, Tom Short, brings 47 years of industry experience and holds prestigious designations as a Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). We prioritize client service by offering direct access to the owner for all business decisions, ensuring personalized solutions tailored to each client's unique needs. Our expertise spans group health insurance, retirement planning, estate planning, and executive benefits, supported by ongoing education and partnerships with nationally recognized experts.We maintain strict ethical standards while providing cost-effective insurance solutions through comprehensive market analysis. Our services extend to individual insurance products, including Medicare counseling and long-term care planning, addressing both business and personal financial security needs. With deep roots in San Antonio since 1968, we combine local market knowledge with nationwide resources to deliver exceptional value to our clients.
Services
Group Health Insurance
Ancillary Group Products
Voluntary Supplemental Insurance
Business Continuation Planning
Estate Planning
Retirement Planning
Life Insurance
Medicare Counseling
Disability Income Insurance
Long Term Care Insurance
Details
- Year established: 1978
Highlights and features
- Direct access to owner with 47 years of insurance expertise
- Specialized in cost-effective group health insurance solutions
- Comprehensive retirement planning with Social Security maximization
- Ethical standards with transparent client-focused practices
- Access to nationally recognized insurance experts and resources
Associations and certifications
- Chartered Life Underwriter (CLU)
- Chartered Financial Consultant (ChFC)
What people say
Excellent health insurance
Quick response time
Dependable specialist
Honest and helpful
Industry expertise
Services
Group Health Insurance
We provide comprehensive group health insurance solutions for businesses with 2-250 employees, offering both fully insured and self-insured options. Our expertise includes cost containment strategies through consumer-driven plans like HSAs and HRAs, partial self-funding arrangements, and Sec. 125 plan implementation. With over 30 years of experience in employer health benefits, we help businesses navigate complex insurance markets to find cost-effective coverage that meets their workforce's needs while maintaining compliance with current regulations.
Business Continuation Planning
Our business continuation services help owners prepare for unexpected transitions through strategic buy-sell agreements and insurance funding solutions. We address critical questions about business ownership transfer, fund availability for purchases, and estate preservation strategies. By implementing life insurance-funded arrangements, we help maintain business continuity during owner retirements, disabilities, or deaths while protecting family interests and ensuring smooth transitions for key employees and partners.
Estate Planning
We offer comprehensive estate planning services that minimize tax liabilities and protect assets through strategic trust arrangements and insurance solutions. Our approach addresses common issues with traditional 'I Love You' wills that waste estate tax exemptions, instead implementing credit trusts, irrevocable life insurance trusts, and family limited partnerships. Working with board-certified legal partners, we help preserve estates for intended heirs while navigating complex probate processes and minimizing unwanted tax burdens.
Retirement Planning
Our retirement planning services include Social Security maximization strategies, income gap analysis, and asset allocation frameworks. We help clients determine optimal retirement ages, create sustainable income streams, and implement non-qualified supplemental retirement plans. Through a three-category asset approach (cash, protected growth, and risk growth), we develop personalized investment strategies that balance liquidity needs, risk protection, and growth potential based on individual risk tolerance levels.
Ancillary Group Products
We offer comprehensive ancillary insurance products including dental, vision, life, disability, and long-term care coverage for businesses. These essential benefits help employers attract and retain talent while addressing employees' comprehensive healthcare needs. Our disability income insurance solutions protect against income loss from long-term disabilities, while our long-term care insurance plans preserve estate value through tax-advantaged coverage options that protect against nursing home and assisted living expenses.
People
Tom Short
Owner/Operator
With 47 years of insurance experience since 1978, Tom Short is a Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) who graduated from the University of Texas at Austin with a finance degree. He has served San Antonio businesses since 1968, specializing in employee benefits and financial planning while maintaining active memberships in professional organizations like NABIP and NAIFA.
Questions
What types of insurance services do you offer for small businesses?
We provide comprehensive group health insurance, dental, vision, life, disability, and long-term care coverage for businesses with 2-250 employees, along with Sec. 125 plans and ACA compliance assistance.
How can you help with retirement planning?
Our retirement planning includes Social Security maximization, income gap analysis, asset allocation strategies, and non-qualified supplemental retirement plans tailored to individual risk tolerance and financial goals.
Do you offer estate planning services?
Yes, we provide estate planning solutions that minimize tax liabilities through trust arrangements, irrevocable life insurance trusts, and family limited partnerships in collaboration with board-certified legal partners.
How do you handle ACA compliance for employers?
We offer ACA advice and counseling, including employer mandate determination, full-time equivalent calculations, and access to discounted legal services through our partner attorney firm for ERISA compliance.
What makes your business continuation planning unique?
Our business continuation planning uses life insurance-funded buy-sell agreements to ensure smooth ownership transitions while protecting family interests and maintaining business value during unexpected events.
Do you work with individual clients as well as businesses?
Yes, we offer individual insurance products including life insurance, Medicare counseling, disability income protection, and long-term care planning tailored to personal financial security needs.
