Health Insurance for Medical and Dental Practices
Picture a dentist who owns a three-chair office. Two hygienists, one assistant, a front-desk lead. Half the chairs run part-time hours. The hospital system across town just posted a benefits package. Her renewal letter is due before she finishes Friday's schedule.
She doesn't need another generic "small business" pitch. She needs a benefits setup that fits clinical days, part-time schedules, and the owner. Creative Health Solutions helps Florida medical and dental practice owners compare group and owner coverage by phone or Zoom video, and we're licensed in all 50 states. Request a quote, we compare your options, we apply together.
For dental offices, clinics and practice owners
Dental offices
comparing benefits for hygienists, assistants and front-office staff
Physician practices and small clinics
covering clinical and admin teams
Owner-only or owner-heavy shops
weighing a private PPO for the owner beside a different path for staff
This page is not for patients shopping a dental or vision product.
For the general Florida group hub, see small business health insurance. Covering only your household with no practice staff? Start with individual and family health insurance.
Health options that fit a practice
We look at practice benefits in this order, and we can help if it's the right option for your team:
MEWAs.
Several practices join one larger health plan. Qualifying varies.
Association plans.
Qualifying varies. Practices can join a larger pool with other practices, which can help keep costs more predictable. That doesn't mean a lower price.
Level-funded plans.
A group plan with a set monthly payment priced closer to your own census. We can help if it's the right option.
PEOs.
A professional employer organization that handles payroll and HR and lets your staff join its larger benefits plan. We can help if it's the right option.
Group plans
for practices of any size. In Florida, small group means 1 to 50 employees, and we help larger teams too.
ICHRA (CHOICE Arrangement) and QSEHRA.
Both are offered. An ICHRA lets you set a monthly amount each eligible person uses toward an individual plan. A QSEHRA is for employers with fewer than 50 full-time-equivalent employees that don't offer a group health plan. It can leave out part-time staff, but everyone it covers gets generally the same terms. An ICHRA or QSEHRA can affect an employee's premium tax credit. See our ICHRA guide for Florida small businesses.
Private PPO for the owner
when a separate owner plan fits beside a group plan or HRA for the team. Private PPO options can include networks like Cigna, PHCS and First Health. Availability varies by plan and state. Approval and rates aren't guaranteed. These owner PPOs are medically underwritten and aren't ACA plans, so approval depends on health history.
Supplemental coverage
alongside a main plan when it fits. We compare accident carriers such as Allstate and UnitedHealthcare. Benefits and prices depend on the policy.
Short-term plans
can bridge a gap, but they are not ACA plans. They may not cover pre-existing conditions, they can cap benefits, and they last for a limited time.
Health sharing.
We can also show you health sharing programs. Health sharing is not insurance. Members share medical bills under the program's rules, no member is required to pay, and payment is not guaranteed. You stay responsible for your own bills.
We offer group dental and vision for staff. That is still an employer benefits conversation, not a patient shopping for a dental card.
Full-time staff and part-time hours
Practices rarely run on one schedule. Hygienists may work three days. Assistants may rotate. Front office may be full-time. You can offer full-time staff a group plan and part-time staff an ICHRA, but in an office with fewer than 100 employees, the ICHRA class needs at least 10 people. If you offer only an ICHRA, that minimum doesn't apply. You generally can't let the same people choose between the two. We map the census with you. We don't give legal advice.
One plan for everyone, or a split setup
Sometimes the right picture is split: a private PPO for the owner, and a group plan, MEWA, level-funded plan or HRA for the team. Sometimes one group plan covers everyone, including the owner. We put both pictures side by side so you can decide. Approval and rates aren't guaranteed.
Competing with large groups or DSOs for staff is real. Benefits help you compete for hygienists, assistants and clinical staff. We compare options that fit your office.
Time back for clinical days
Time back for clinical days. You shouldn't spend a lunch hour decoding three carrier PDFs. We run the comparison and walk you through it by phone or on Zoom.
Over 200 plans, licensed in all 50 states. Darius Mills, Founder and Senior Broker, leads a team with over 10 years of combined experience. We've helped over 450 clients save an average of $350 a month. Results vary. Savings are not guaranteed.
Phone or Zoom, English or Spanish. Need help in Spanish? Alex Guerrero, a newer broker on our team, speaks Spanish. Call (321) 872-4940, Monday to Friday, 9 AM to 5 PM; after that, by appointment only.
How the benefits review works
You request a quote.
Share the census: roles, hours, who needs coverage, which doctors and hospitals matter for the team and for you.
We compare
MEWA, association, level-funded, PEO, group, ICHRA, QSEHRA and owner PPO paths that fit that roster.
You decide.
If you're ready, we apply together on the same call.
There's no cost to talk to us, and we don't charge broker fees. You'll talk with Darius, Fred, Matthew, Chris or Alex.
About Darius Mills
Darius Mills is the Founder and Senior Broker at Creative Health Solutions. We're based in Melbourne, Florida. This page is written for Florida practice owners first. We work by phone or Zoom video, and we're licensed in all 50 states.
Creative Health Solutions51 NW Carolina St #104
Melbourne, FL 32904
(321) 872-4940
See areas we serve in Florida, Melbourne health insurance and meet the team.
Questions from practice owners
Can a small dental or medical office offer group health insurance?
Yes. Practices of any size can compare group plans and other setups. Florida's legal small-group market is generally 1 to 50 employees, and larger practices get help too. Qualifying and plan fit vary.
How many employees do we need for a group plan?
In Florida, a small-group plan generally needs at least one eligible employee on payroll, meaning someone who works 25 or more hours a week. Carriers can add their own rules. Owner-only shops often compare a private PPO for the owner, or a true group plan a self-employed person can join, with eligibility that varies.
What is ICHRA or QSEHRA for part-time practice staff?
An ICHRA (CHOICE Arrangement) lets you set a monthly amount people use toward their own individual plan, which can fit mixed schedules. If you also offer a group plan, the ICHRA class usually needs at least 10 people. A QSEHRA is for employers with fewer than 50 full-time-equivalent employees and no group plan. Both are offered. An ICHRA or QSEHRA can affect an employee's premium tax credit. We can help if it's the right option for your team.
Can the owner get a private PPO while staff use a different setup?
Often yes. Many practices compare a private PPO for the owner beside a group plan, MEWA, level-funded plan or HRA for staff. Private PPO options can include networks like Cigna, PHCS and First Health. Availability varies by plan and state. Approval and rates for a private plan aren't guaranteed. These owner PPOs are medically underwritten and aren't ACA plans, so approval depends on health history.
What is a MEWA for practices, and does qualifying vary?
A MEWA lets several employers join one larger health plan. It can fit a small office that wants group coverage without shopping alone. Qualifying varies, and we can help if it's the right option.
Do you help with dental and vision for the team too?
Yes. We offer group dental and vision for staff, as add-ons next to the medical plan. That is still an employer benefits conversation, not a patient shopping for a dental card.
Does a broker cost the practice anything?
There's no cost to talk to us, and we don't charge broker fees.
Are you only local to Melbourne, or licensed elsewhere?
This page is written for Florida practice owners first. We're based in Melbourne, Florida, we work by phone or Zoom video, and we're licensed in all 50 states.
Put the census next to a real comparison
Your Friday schedule shouldn't hinge on a renewal letter. Request a quote, put the census next to a real comparison, and you'll know what fits the chairs, the part-time hours and the owner.
Creative Health Solutions