Health Insurance Solutions For Small Business - How to choose the best small business health insurance? Are you looking to choose a small business health insurance benefit plan for your company? It makes sense: studies show that small business wellness plans can increase employee loyalty, attract talent and help reduce turnover. To make sure you attract the best talent to your small business, you need to make sure you choose the right health benefits plan.
When comparing plans, it's a good idea to consider employee demographics and health needs. But it can only help: there are so many options for health plans that shopping for the right plan can leave you confused and frustrated.
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Fortunately there is help. This article aims to make it easier for you to decide which small business health plan is right for you and your company by explaining the components of your benefits plan.
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When most people think of employee health benefits, they think of comprehensive health and dental plans. Plans may include coverage for prescription drugs, dental coverage, vision care, paramedical services, hospital treatment and testing, and foreign travel coverage. Small businesses can choose from a variety of options to fit your employee needs and budget.
A flexible prescription drug plan means choosing the right brand of drug, the right method of administration and finding alternative payers. It also means building plan cost containment: a well-designed prescription drug plan can prevent plan cost increases.
With our flexible dental coverage, you can create a plan from different coverage levels and deductibles to include preventive, restorative, and orthodontic treatment. Since most dental coverage is not covered by provincial medical plans, this part of your benefits plan can be very important to employees and their families.
You can include eye exams, prescription lenses, frames, contact lenses, and laser eye surgery with configurable vision care options and coverage levels.
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Flexible disability coverage will help you contain costs and reduce risk by providing employee replacement income and a recovery plan in the event of a health issue outside of work. The plans allow you to choose from a variety of short-term disability options and long-term coverage options. The plans also include a mid-term disability option (the industry first), and "tailored" long-term disability plans that provide other options for coverage.
For protection in the event of unexpected damage, businesses can offer life, critical illness and accident and critical illness (ASI). Employees receive a lump-sum payment when a covered illness is diagnosed or an accident occurs. You can also give employees the option to "upgrade" their critical illness coverage if they need additional coverage for themselves and their families.
Employee health coverage encourages employees to be more active and productive by staying healthy. You can help reduce benefit costs by providing for the physical and mental well-being of your employees. Employees can access the support they need to face life's challenges through counseling services, and even get help with physical fitness to improve their physical and mental health.
With a Health Spending Account, each of your employees can choose to allocate benefits up to the maximum per employee. You only have to pay what the employee uses, without losing the remaining balance. Your employees have the freedom to choose to use their spending account to pay for the massage, physiotherapy, vision, dental, or other health care services they want.
Employee Benefits: How Much Is Your Company Should Spend On?
The process of researching, evaluating and choosing the right small business health insurance benefit plan can be time-consuming. Your strategy should include getting a clear understanding of your benefit options, finding expert advisors who take the time to get to know your needs, and talking to employees about your needs.
Importantly, you must also be prepared for transitioning employees to the new plan. This includes providing information about employees to plan administrators and insurance companies and then helping employees through the onboarding process.
An efficient claims process is key to employee satisfaction: plan members should be able to easily submit claims at any time by taking a photo of the receipt in the mobile app or allowing a healthcare practitioner to directly submit it, on their behalf.
Are you looking for help or advice to help you choose the best small business employee health benefits? Review your options with one of our licensed advisors over the phone or in person or contact us for a comparative quote.
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Whether you're looking for extended health and dental coverage, disability coverage, and critical illness and life coverage, we have an affordable benefits package that works for you.
In every industry there are companies that think and do things differently. In employee group benefits, Benefit Solutions™ is that company. Controlling costs, improving employee health, and personalized service are just a few ways to help your organization grow.
Offers a variety of plans and networks for all types of businesses. You can work directly with us or a broker to customize your network, plan, and benefit solutions to meet your business and workforce needs.
Great national access means a network of quality providers and nationwide options to choose from in-network or out-of-network (with in-network offering cost-saving benefits).
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¹ In most states, it offers group insurance coverage for employers with more than 50 full-time employees, as well as administrative services for self-funded plans with at least to 25 full-time employees. Product availability may vary by plan type, group size and location, and is subject to change.
Our whole person health approach integrates medical, pharmacy, and behavioral health to help drive employee engagement, improve health outcomes, and reduce your costs.
Compare medical plan networks and other features to find the plan that best fits your organization's needs.
Keep employees thriving with support from a national network of behavioral treatment providers and a comprehensive program, tools, and services.
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Continue to build your benefits package with a variety of wellness services and help improve the overall health of your employees and a healthier business for you.
Personalized customer products, networks and tools help your employees find the right provider for their individual and family needs.
The Value of Integration study shows that connecting medical, pharmaceutical, and Total Behavioral Health results in a savings of $227 PMPY.
In some countries, it offers group insurance coverage for employers with more than 50 full-time employees, as well as administrative services for self-funded plans with only 25 full-time employees .
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$227 per member per year in cost savings when you bundle Medical, Total Behavioral Health and Pharmacy benefits. The 2019 national Book of Business studies medical customers with medical, pharmaceutical and Total Behavioral Health benefits versus those with only medical, pharmaceutical and FFS Inpatient behavioral benefits. Individual client/customer results will vary and are not guaranteed.
2019 medical customer business study book with Pharmacy + Total Behavioral Health vs. with medical and basic behavior. Individual client/customer results will vary and are not guaranteed. Annual average per member per year (PMPY).
Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For cost and coverage details, contact a representative. Group health plans are insured or administered by Health and Life Insurance Company or its affiliates. Policy form: OK - HP-APP-1 et al.; OR - HP-POL38 02-13; TN - HP-POL43/HC-CER1V1 et al.
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Health Insurance Rules For Employers
Individual and family health and dental insurance plans are insured by Health and Life Insurance Company (CHLIC), HealthCare of Arizona, Inc., HealthCare of Illinois, Inc., HealthCare of Georgia, Inc., HealthCare of North Carolina , Inc., HealthCare of South Carolina, Inc., and HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or its affiliates (see
That insures or manages group HMOs, dental HMOs, and other products or services in your country). Accidental Injury, Critical Illness, and Hospital Care insurance plans or policies distributed exclusively by or through subsidiaries of the Corporation, administered by Health and Life Insurance Company, and insured by (i) Health and Life Insurance Company (Bloomfield, CT). ); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY ("NYLGICNY") (New York, NY), formerly known as Life Insurance Company of New York. The name, logo, and other marks are owned by Intellectual Property, Inc. LINA and NYLGICNY are not affiliated with .
All insurance policies and group benefit plans contain exclusions and limitations. For availability, cost details and full coverage, contact your licensed agent or sales representative. This website is not intended for residents of New Mexico.
Selecting these links will take you to other websites, which may not be our website. may not control non-website content or links. Allianz Partners is here to protect the health and well-being of your employees as you grow your business overseas. We offer comprehensive international health insurance plans with a wide range of inpatient, outpatient and day care, as well as
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