Group Health Insurance & Employee Benefits for Virginia Beach Businesses
Smarter Benefits Decisions. Less Administrative Burden.
A Partner Who Stays Involved.
Your employees count on their benefits. Your business counts on making those benefits financially sustainable. Finding the right balance between competitive coverage, employee satisfaction, and cost isn't always easy — especially as your business grows and your needs change.
A well-designed benefits program can help you attract and retain great people while supporting your company's long-term goals.
The challenge isn't just choosing a health insurance plan. It's comparing carriers, managing rising costs, navigating enrollment, answering employee questions, and keeping everything running smoothly throughout the year.
At Full Circle Insurance Solutions, we take that complexity off your plate. As independent benefits brokers, we help you evaluate your options, make informed decisions, and manage the details — from your initial plan review through enrollment, renewal, and everything in between.
It is without hesitation that we at the Virginia Museum of Contemporary Art recommend Chelsea Jennings with Full Circle Insurance Solutions. Chelsea has provided us with very detailed quotes and options to fit our specific needs. She has been extremely helpful throughout the policy year answering our employees’ questions and concerns. Professional and knowledgeable, Chelsea has been and continues to be a pleasure to work with. We consider Chelsea a valuable partner in the Museum’s continued growth.
C.J.
Director of Finance & Operations for a local Non-Profit
Who We Serve
Full Circle works with small and midsize businesses throughout Virginia Beach, Chesapeake, Norfolk, and the rest of Hampton Roads, as well as across Virginia. Many of our clients are established employers with 15 to 100 employees who want to make their existing benefits programs more competitive, cost-effective, and easier to manage. We also help smaller businesses navigate offering employee benefits for the first time.
Whether you're looking for better coverage, facing rising renewal costs, struggling with benefits administration, or simply wondering if your current broker is doing enough, we meet you where you are. We work with businesses and nonprofit organizations alike, helping employers build benefits programs that make sense for their people, their budgets, and their long-term goals.
How Group Benefits Work with Full Circle
Choosing an employee benefits package is only one part of the equation. Making sure it fits your budget, meets your employees' needs, and runs smoothly throughout the year takes planning, coordination, and ongoing attention.
At Full Circle, we guide you through every stage of the process, whether you're reviewing an established benefits program, considering a change in brokers, or offering coverage for the first time. Here's what working together looks like:
Step 1: Understand
We start by getting to know your business, your employees, and your goals. We'll discuss your current benefits (if you have them), what's working, where you're experiencing challenges, and what you can realistically budget. We'll also look at your workforce and what matters most to your employees.
The goal is to establish clear priorities so we're evaluating coverage options based on what your business actually needs — not simply shopping for the lowest premium.
Step 2: Shop
With your priorities established, we go to work exploring coverage options from multiple insurance carriers. We compare available plans, pricing, provider networks, and benefits, and work with carriers to explore opportunities for better rates or terms where possible.
Instead of leaving you to sort through a stack of quotes, we narrow the field to options that make sense for your business, your employees, and your budget.
Step 3: Analyze
Next, we dig into the details. We provide comprehensive, customized comparison spreadsheets that break down your strongest options side by side, looking beyond monthly premiums to evaluate deductibles, out-of-pocket costs, provider networks, and the overall value of each plan.
We also help you explore employer contribution strategies and understand how different choices could affect your budget and your employees. Instead of sorting through complicated insurance information on your own, you'll have a clear, organized picture of the costs, benefits, and trade-offs — so you can make a confident, informed decision about what's right for your business.
Step 4: Decide & Prepare
Once you've selected your benefits package, we help turn that decision into an enrollment-ready plan. We finalize the coverage details, coordinate with insurance carriers, and prepare the information and materials your employees will need to understand their options.
We also set up and customize Employee Navigator, an online benefits enrollment platform provided at no additional cost through Full Circle. This gives your team a more organized way to manage benefits information and helps make the enrollment process easier for employees and administrators alike.
Step 5: Enroll
When it's time to enroll, we help guide your employees through the process, answer their coverage questions, and make sure they understand their options. Using Employee Navigator, we help track enrollment progress, review employee elections, and coordinate the information insurance carriers need to put coverage in place.
We also help your HR or payroll team with the information needed to set up accurate payroll deductions. The result is a more organized enrollment process, fewer administrative headaches, and greater confidence that your employees' coverage is set up correctly.
Step 6: Support
Our work doesn't end when enrollment closes. Throughout the year, we're here to help with new hires, employee departures, qualifying life events, coverage questions, and claims issues. When employees encounter problems with their insurance, we help investigate, communicate with carriers, and work toward a resolution — so your HR team doesn't have to navigate every issue alone.
As renewal approaches, we revisit your coverage, costs, and changing business needs. We review your options, identify opportunities for improvement, and help you make informed decisions for the year ahead. It's an ongoing partnership designed to keep your benefits program running smoothly, year after year.
What Does it Cost to Work with Full Circle?
There is no additional fee to work with Full Circle Insurance Solutions.
Our brokerage services are compensated by the insurance carriers, not through a separate consulting fee charged to your business. That means you get personalized guidance, detailed plan comparisons, Employee Navigator enrollment technology, and year-round support without an additional bill from us.
But our priority isn't selling you more insurance. It's helping you make smart decisions about the coverage your business and employees actually need. We believe the best way to build a successful business is to earn your trust, deliver exceptional service, and give you every reason to stay with us year after year.
Coverage that Grows with You
The right employee benefits package isn't necessarily the one with the most coverage. It's the one that makes sense for your business, your employees, and your budget.
For some employers, that means finding a better balance of cost and coverage within an existing group health plan. For others, it means expanding their benefits program with dental, vision, life, or disability insurance to help attract and retain employees.
At Full Circle, we help you evaluate the options and build a benefits program that reflects where your business is today, with the flexibility to adapt as your team and priorities change. You don't have to offer everything at once. We'll help you determine what delivers the most value for your employees and your business.
Open Enrollment is Just the Beginning
Your benefits program doesn't stop demanding attention once employees are enrolled. Questions come up. Employees join or leave. Coverage issues need attention. And when something goes wrong, those problems often land on the desk of a busy business owner or HR manager.
With Full Circle, you have a dedicated partner to turn to throughout the year. We help employees navigate insurance questions, work with carriers to address coverage and claims issues, and support your team as benefits needs change. Instead of spending valuable time tracking down answers or figuring out who to call, you have someone who knows your business and is ready to help.
It's the kind of ongoing support that makes employee benefits easier to manage — and gives you more time to focus on running your business and supporting your people.
What It's Like to Have Full Circle In Your Corner
L.B.
Chief Financial Officer
From day one, the customer service we have received from Chelsea Jennings has been exceptional. She navigates the benefits marketplace for us with ease and effectively communicates with our entire team so important decisions can be confidently made. She goes above and beyond to help each client and their employees find the best benefits package for their situation. We are so happy she is part of our team.
A.B.
Director of Administration, HR, & Accounting
Chelsea is a jewel to work with. I began working with her back in 2019 as I had taken over the HR Department at my company. She is a wealth of knowledge when it comes to insurance. We have gone through 2 open enrollments and they have both been a pretty seamless process. Her customer service is impeccable and she constantly reassures me that she is here for me and our employees and to just let her do the work. Anytime I have a question or an issue, her response is immediate and issues are 100% resolved. She is a woman of her word and takes her job very seriously. I am pleased to be working with Chelsea and Mary at Full Circle Insurance. I hope Phoenix Group of Virginia, Inc. will be customers for a long time!
Jo Ann Short,
The Planning Council
Chelsea is very diversely talented and knowledgeable. She helped us find coverage that our employees would love while keeping our costs down. She held my hand every step of the way through a very busy open enrollment period. She worked so hard through the whole process and was professional, responsive, and available. She was just amazing. With Chelsea, there is a personal touch that you simply don’t get with big companies. It’s like she is one of us. She is an extension of our team and fights for what is best for us.
Common Questions from Virginia Beach Business Owners
Can we switch employee benefits brokers without changing our insurance plans?
Yes. In many cases, a Virginia business can change its employee benefits broker without changing its insurance carrier, coverage, or renewal date. This is typically accomplished through a broker-of-record change, subject to the carrier's requirements.
If you're happy with your coverage but frustrated by slow responses, limited guidance, or a lack of ongoing support, you may not need to start over. Full Circle can review your current arrangements, explain the transition process, and help you understand your options.
How can we manage rising employee health insurance costs?
Managing group health insurance costs starts with understanding what's driving them and evaluating the options available to your business. That may include comparing carriers, reviewing plan designs, examining deductibles and out-of-pocket costs, or reconsidering how premiums are shared between the employer and employees.
Full Circle prepares detailed, customized comparisons to help you understand the financial and coverage implications of different choices. Our goal isn't simply to find the lowest premium. It's to help you make informed decisions that balance your budget with the benefits your employees value.
How do we know if we're offering the right benefits for our employees?
The right employee benefits package depends on your workforce, budget, recruiting needs, and business goals. A plan that worked well three years ago may no longer be the best fit as your team grows or employee needs change.
Full Circle helps you evaluate your existing coverage, identify potential gaps, and consider whether additional benefits such as dental, vision, life, or disability insurance would provide meaningful value. Sometimes the right move is expanding coverage. Other times, it's improving what you already offer.
What if our employees work in different locations or have different coverage needs?
Businesses with diverse workforces may have several options for structuring employee benefits, but the right approach depends on the insurance carrier, plan service area, employee locations, and eligibility requirements.
Full Circle helps employers explore available plans and understand how coverage may work for employees with different needs or in different locations. We'll also help you review applicable eligibility rules so you can make informed decisions about who can participate and which options are practical for your workforce.
How much does it cost to work with an employee benefits broker?
Full Circle Insurance Solutions does not charge employers a separate fee for its group benefits brokerage services. We are compensated by insurance carriers, while your business remains responsible for its insurance premiums and other applicable plan costs.
Our services include carrier comparisons, benefits analysis, enrollment coordination, access to Employee Navigator, and ongoing support throughout the year. We focus on recommending coverage that fits your needs and building relationships that employers want to maintain year after year.
Is our small business large enough to offer employee health insurance?
Businesses don't necessarily need dozens of employees to explore group health insurance. In Virginia, small-group coverage may be available to qualifying employers with as few as two eligible employees, although carrier participation and eligibility requirements may vary.
If you're considering benefits for the first time, Full Circle can help you understand your options, compare potential costs, and determine what makes sense for your business. You don't need to have an HR department or an existing benefits program to get started.
What does Full Circle handle during open enrollment and throughout the year?
Full Circle helps employers prepare for enrollment, communicate coverage options, answer employee questions, coordinate elections, and provide information needed for carrier submissions and payroll deductions. Every group benefits client also receives access to Employee Navigator, an online benefits enrollment platform.
After enrollment, we remain available to assist with new hires, employee departures, qualifying life events, coverage questions, claims issues, and renewal planning. That means your business has a knowledgeable point of contact instead of having to navigate every insurance issue alone.
Can Full Circle help us understand employee benefits compliance requirements?
Yes. Full Circle helps employers understand insurance-related requirements that may affect plan eligibility, enrollment, coverage administration, and renewal decisions. Requirements can vary based on factors such as employer size, workforce composition, and the benefits offered.
We can help identify issues that deserve attention and coordinate with your HR, payroll, legal, or other professional advisors where appropriate. While we provide practical benefits guidance, Full Circle does not replace legal counsel or assume responsibility for an employer's regulatory compliance.
Let's Make Employee Benefits Easier for Your Business
Whether you're looking to improve your current benefits program, explore a new broker relationship, or offer coverage for the first time, we'd love to hear from you.
Tell us a little about your business and what you're hoping to accomplish. We'll start with a conversation about your needs, answer your questions, and help you understand what makes sense as a next step.
Call Us: 757-799-1248
Office Fax: 757-917-5676
Email: Contactus@FullCircleFin.com
Mailing Address:
582 Lynnhaven Parkway STE 100
Virginia Beach, VA 23452
Our office building is easily accessible
via the Lynnhaven Commons entrance on Viking Drive