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

Group Employee Benefits

Most of our clients’ companies have between 2-300 employees. We design custom group benefits solutions – starting with a complete analysis of your insurance needs and following through to employee presentation and ongoing benefits administration. We can create an employee program with as many or as few options as you wish. We focus on creating the best results for the employees and the company.

Why Health Insurance is Important

Protection from high medical cost

Health insurance provides important financial protection in case of a serious accident or sickness. Without health coverage, you are exposed to these costs, sometimes leading to deep debt or even bankruptcy.

It is easy to underestimate how much medical care can cost:

  • Broken Leg – The cost of a broken leg can vary depending on the severity of the injury and the type of treatment required. According to Cost Helper, the cost of non-surgical treatment for a broken leg without health insurance can be up to $2,500 or more, while surgical treatment can cost between $17,000 and $35,000 or more. These costs include doctor visit copays, treatment coinsurance, and other expenses such as X-rays, casts, and crutches.
  • Heart Surgery – The cost of heart surgery can vary depending on the type of surgery, the facility, and the doctor. The average hospital charge for all common heart surgery and procedures is $62,509. For patients covered by health insurance, out-of-pocket costs typically consist of doctor visit copays, prescription drug copays, and coinsurance of 10%-50% or more, which would reach the yearly out-of-pocket maximum. Heart surgery typically is covered by health insurance. For patients not covered by health insurance, the cost of the most common types of heart surgery can range from less than $30,000 to almost $200,000 or more, depending on the facility, the doctor, and the type of surgery
  • Chemotherapy – The cost of chemotherapy varies depending on several factors, such as the type of cancer, stage of the disease, number of treatments, duration of treatment, type of chemotherapy, treatment setting, geographic location, and side effects. According to, if you have health insurance, you can expect to pay 10 to 15 percent of chemo costs out of pocket. If you do not have health insurance, you might pay between $10,000 to $200,000 or more. It is important to note that most health insurance providers help cover cancer treatment, but every insurance plan is different.
  • Childbirth – The average cost of a vaginal birth in the United States is $13,024. This includes costs like facility fees and doctor fees. However, the cost of giving birth can vary depending on many factors, such as the type of birth you have and your location. If you have health insurance, it can cover most of that cost. The average cost of a C-section in the United States without any complications is $22,646. This cost does not include what insurance covers. Please consult your insurance plan for what you would pay out-of-pocket. But if you do not have health insurance, you can expect a hefty hospital bill.

Protection from high dental cost:

  • The average cost of a dental exam ranges between $50 and $200.
  • The cost of dental x-rays can vary depending on several factors, such as the type of X-ray needed, the number of X-rays needed, and the location where the x-ray is performed. Dental x-rays generally range from $25 to $750. The cost may vary depending on the type of x-ray needed, the number of X-rays required, and the location where the x-ray is performed.
  • The cost of a root canal treatment depends on the tooth’s location and the amount of restoration needed. On average, a root canal costs around $1,000. The cost can vary depending on the location of the tooth and the extent of the damage. For example, root canal treatments on front teeth cost around $1,000, while bicuspids cost about $1,100. Molars, which are harder to reach and clean, typically cost the most, ranging from $1,300 to $1,600.
  • The average cost of dentures in the United States is around $1,300 for someone without insurance. Dental insurance plans usually pay for up to 50% of denture costs. Here are the price ranges for different tiers of dentures for someone without insurance:
  • Low-cost dentures: $300 to $500 per denture or $600 to $1,000 for a complete set.
  • Traditional dentures: These average $1,800 without insurance, but you could end up paying anywhere between $1,000 and $3,000.
  • Partial dentures: These typically cost about $1,500.

It is important to note that the cost of dentures can vary depending on the type of denture and the number of appointments required

Protection from high vision costs:


  • Exam – The cost of an eye exam can vary depending on where you get it done. It is important to note that the cost of an eye exam may vary based on location, the types of tests that are performed, and whether you have vision insurance. Without insurance, you can expect to pay between $50 and $200 for a standard eye exam. If you have an eye condition that requires regular checkups, you may spend more than that in a year.
  • Frames & Lenses – The average cost of new glasses frames and lenses varies depending on the retailer, brand, and type of lenses. According to Consumer Reports, the median out-of-pocket cost for eyeglasses from a discount retailer is $184, while the median out-of-pocket cost for eyeglasses from a top eyewear chain is $369. The price of frames can range from $8 for metal-alloy versions to $600 for their brand-name counterparts. Designer eyeglasses like Calvin Klein or Valentino can command up to $1,000 up to $1,000. The cost of lenses depends on the lens type, such as single-vision lenses, bifocal or progressive lenses, and specialty lenses. Specialty lenses, protective coatings, and bifocal or progressive options can affect the final price tag.
  • According to, the average cost of frames and lenses without insurance is about $350. However, the actual price you pay can vary widely depending on your insurance coverage, the nature of your prescription, and your personal preferences.


  • Contact Exam – The average cost of a contact lens exam ranges between $50 to $150. However, this can vary based on factors such as location, type of optometry office, and insurance coverage. Contact lens fittings without insurance can start as low as $100.

  • Contact lens fitting costs vary by clinic, area, and type of lens. They can range from $25 to $250 and are usually not covered by insurance. Disposable soft contact lenses tend to have lower fitting fees than other types. Some big brand names like Walmart and America’s Best may offer the cheapest options.
  • Contacts – The cost of contact lenses depends on the brand, type, and your insurance coverage. Contact lenses can be daily, biweekly, monthly, or yearly, and each type has a different average monthly and annual cost. The average monthly cost of contact lenses ranges from $20 to $75, and the average annual cost ranges from $180 to $900. Rigid gas permeable (RGP) contact lenses are hard lenses that can offer clearer vision, but they are less flexible and more expensive than soft lenses.