Since 1983 Lay and Williams Insurance Services has been offering health insurance to both for employers and individuals throughout Texas. Our comprehensive tailor-made benefit packages can address the specific needs of your company and employees. By concentrating on the particulars of your group or family, we are able to design a waste-free health care option that will help control both costs and administrative tasks.
The agents representing Lay and Williams Insurance Services bring you a wealth of experience and knowledge with specialist for group employee benefits, individual insurance and Medicare Supplements, Medicare Advantage Plans and Medicare Drug Plans.
The agents representing Lay and Williams Insurance Services bring you a wealth of experience and knowledge with specialist for group employee benefits, individual insurance and Medicare Supplements, Medicare Advantage Plans and Medicare Drug Plans.
Services
3. Large group with 50+ employees with no participation requirements (avoid the fines and penalties). 4. Small group with 2 enrolling employees and no participation or contribution requirements (special enrollment period). 5. Send us (info@layandwilliams.com) a census of participating employees with gender, dates of birth and genders and dates of birth for any dependents to be covered.
As a small business (fewer than 50 employees) there is no mandate to offer health insurance! Cannot meet minimum participation percentage required if employees are asked to share in the cost of the insurance. Ability to offer benefits at a cost you determine (you select the amount, if any, the employer will pay toward the employee premium).
If you do not have a qualifying event and have missed the annual open enrollment you can still purchase a temporary plan to bridge the gap in coverage.
Please note that short-term medical insurance (not considered minimum essential coverage under the Affordable Care Act so insured may still be subject to tax penalty) is not guaranteed-issue and is designed for people who are without health insurance and are waiting for permanent major medical insurance coverage.
Please note that short-term medical insurance (not considered minimum essential coverage under the Affordable Care Act so insured may still be subject to tax penalty) is not guaranteed-issue and is designed for people who are without health insurance and are waiting for permanent major medical insurance coverage.
With over 30 years specializing in employee benefits, primarily in the North Texas area, we concentrate on the smaller employer, attempting to bring quality service to a market that is often overlooked. In a continuing quest to bring a higher level of professionalism to the marketplace, our staff maintains an ongoing education process and is involved with multiple local professional and business associations.
Reviews (10)
Cyndy T.
Jan 23, 2022
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DeWayne Smart
Jun 04, 2021
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I typically don’t write reviews just read them. But I did want to stop and take a minute to say how seamless Lay and William‘s health insurance company made our decision for insurance for our group. They are very knowledgeable and gave us great guidance that would be the best fit for our company and employees. I would recommend them to any family or friends.
Nathan Vasseur
May 31, 2021
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Nathan Randel
Dec 15, 2019
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Best vendor I have worked with! Period. Not even a doubt in my mind. Bob Lay is a man of integrity and has a tremendous wealth of knowledge when it comes to the confusing world of insurance for the small business. As a business owner, we are faced with all kinds of decisions when it comes to working with vendors for various needs. After 13 years of owning a small business, and working with Lay and Williams for the majority of that time, they remain the best vendor for any need that we have hired. I can't recommend highly enough!!
Scott & Amy Bolton
Dec 15, 2019
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Bob Lay has been very helpful getting us started on providing our business with health, dental and vision insurance. He gave us several options and advice so we could provide these benefits for our employees. He has always responded quickly and taken care of anything we asked of him. I would definitely recommend him to anyone.
Amy Bledsoe
Jun 20, 2018
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Sara W.
May 11, 2017
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Lay and Williams does an exceptional job of helping businesses and individuals with their health insurance needs. They always work with the client to find the best product for their specific situation and budget, and their customer service is outstanding. Call Lay & Williams for your business or family health insurance. You won't be disappointed!
Kristie Dorris
Sep 07, 2016
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My family has been doing business with Lay and Williams Insurance for over 10 years. Bob Lay has always assisted us in making the correct decisions concerning our family's health insurance needs and is always willing to go the extra mile in explaining our coverage's. I would recommend Lay and Williams to my family and friends.
Sarah Nurse
Jul 30, 2016
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We have used Lay and Williams for many years for our group health insurance. In addition to group coverage for our business they have been able to help many of our friends and family with individual coverage. They truly do everything in their power to ensure their clients get the best coverage at the best rates available. Icing on the cake is that their customer service. They are incredible to work with and take superb care of their clients. Thanks Bob, Ted and Team!
Jeff B.
Mar 12, 2015
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Lay and Williams has been my Health Insurance Agent for several years. I am extremely pleased with the products they offer and the service is outstanding. Each transaction I've ever had with Bob Lay and members of his staff has been beyond satisfactory.
I highly reccomend them for your business and personal insurance needs.
I highly reccomend them for your business and personal insurance needs.
