Breeden Benefit Group - An independent insurance agency uniquely qualified to meet group & individual insurance needs. Located in Austin TX

Group Employee Benefits

At Breeden Benefit Group, we specialize in designing customized group benefit solutions for companies ranging from 2 to 300 employees. Our process begins with a comprehensive analysis of your organization’s insurance needs and continues through employee education and ongoing benefits administration.

Whether you’re looking for a robust package or a more streamlined offering, we can tailor a program with as many or as few options as you need. Our goal is to deliver benefits solutions that serve both your employees and your bottom line.

Why Health Insurance Matters

Protection from High Medical Costs

Health insurance offers critical financial protection in the event of illness or injury. Without it, even a single medical emergency can lead to overwhelming expenses, deep personal debt, or bankruptcy. Coverage helps ensure that your employees and your business are better protected against the unexpected.

The Real Cost of Medical Care – Updated 2025

Understanding modern healthcare costs is crucial without insurance, even a single event could lead to catastrophic expenses.

  • Broken Leg

    • Non‑surgical treatment: approximately $310 – $2,500+
    • Surgical treatment: around $15,000 – $40,000, with complexities reaching up to $150,000 at some hospitals

  • Heart Surgery

    • Valve replacements or typical open-heart surgeries average $170,000 for uninsured patients
    • Coronary bypass procedures average between $30,000 and $200,000, depending on complexity and geography

  • Chemotherapy

    • Uninsured chemotherapy costs can exceed $114,000 per year, with drug-only treatments running $10,000 – $48,000 annually
    • Out-of-pocket costs for those insured range from $6,000 to $15,000 per year, depending on plan and drugs

  • Childbirth

    • Vaginal delivery without insurance: $18,000 – $32,000; C-section: $32,000 – $51,000, averaging $26,000
    • With insurance, total delivery plus prenatal/postpartum costs averages $6,000 – $12,000, with out-of-pocket around $2,800 – $4,500
    • National average: $18,865 for childbirth including pregnancy care; insured parents pay about $2,600 – $3,200 out-of-pocket

Why These Numbers Matter

Without health insurance, a single medical incident, even a broken bone can cost tens of thousands of dollars. More complex cases like heart surgery, cancer treatment, or childbirth can reach into the hundreds of thousands. Even with insurance, patients often face $2,800 – $15,000+ in out-of-pocket costs annually for serious conditions.

Takeaway

Health insurance is not optional, it’s essential protection. It significantly reduces financial exposure and safeguards both employees and employers from unpredictable, high cost medical events.

Protection from High Dental Costs

Dental care can be expensive without insurance, and costs continue to rise. Here’s what patients can expect to pay out-of-pocket on average:

  • Dental Exams:
    Routine dental exams typically range from $75 to $300, depending on the provider and location.

  • Dental X-rays:
    The cost of dental X-rays can vary significantly based on the type and number of images required:

    • Bitewing X-rays: $35 to $100
    • Panoramic X-rays: $100 to $250
    • Full-mouth series: $150 to $750

  • Root Canal Treatment:
    Costs depend on the tooth’s location and severity of damage:

    • Front tooth (incisors): $900 to $1,100
    • Premolars (bicuspids): $1,000 to $1,300
    • Molars: $1,300 to $1,800

  • Dentures:
    The price of dentures depends on the type and customization involved. Without insurance, patients may pay:

    • Low-cost dentures: $400 to $700 per denture | $800 to $1,400 for a full set
    • Traditional full dentures: $1,500 to $3,000
    • Partial dentures: Around $1,200 to $1,800
      Most dental insurance plans typically cover up to 50% of denture costs.

These costs highlight the importance of having dental coverage to avoid unexpected expenses. Preventive care and early treatment can save thousands in future dental procedures.

Protection from High Vision Costs

Glasses

  • Eye Exam:
    The cost of a standard eye exam without insurance typically ranges from $75 to $250, depending on location, provider, and complexity. Exams that include dilation or additional tests for eye conditions may cost more, especially if performed by an ophthalmologist.

  • Frames & Lenses:
    The cost of eyeglasses varies greatly based on brand, materials, and retailer.

    • Frames: Basic frames start around $10 – $50, but designer frames can exceed $500 – $1,000.
    • Lenses: Basic single-vision lenses may cost $70 – $150, while progressive lenses or those with anti-reflective, blue light, or photochromic coatings can bring the total up to $300 – $800 or more.
    • Average Total Cost: Without insurance, the average out-of-pocket cost for a complete pair of glasses (frames + lenses) is about $350 to $550, though it can be significantly lower at discount retailers.

Contacts

  • Contact Lens Exam:
    A contact lens exam typically costs $100 to $250 without insurance, which includes a standard eye exam and additional fitting tests specific to contacts.
    Fittings for specialty lenses (e.g., toric or multifocal) are at the higher end of the range.

  • Contact Lenses:

    • Daily disposables: ~$1 per lens or $30 – $90/month
    • Biweekly/monthly lenses: ~$25 – $60/month
    • Rigid Gas Permeable (RGP) lenses: ~$100 – $300 per pair, lasting up to a year
    • Average Annual Cost: $250 to $700 for soft lenses; $300 – $600 for RGPs
      Costs vary based on brand, lens material, and whether vision insurance applies.