Time Saving Lessons for Group Insurance

As a small business owner, you’re looking for the right kind of group health plan for your employees. You’ve waded through that insurance plan literature trying to balance premiums against deductibles, and make sense of the limitations and exclusions.

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Who has time for all that comparison shopping, number-crunching, and research? But you want to hold on to your employees, while staying attractive to potential new hires.

Four Easy Time-Saving Lessons for Finding the Right Insurance Plan

Now’s the time to cross insurance hunting off your “to do” list. Here are some easy ways to get started:

• Know which benefits your employees need: You need a thorough understanding of your employees’ healthcare needs before you start to shop for a plan. Does your staff require frequent care, or do they rarely need to see their doctors? Do they prefer preventive care and checkups or an “only in case of emergency” plan? What about prescription or maternity benefits?
• Comparison shop: Find the best deal by asking for multiple quotes on multiple plans from multiple insurance carriers. Don’t want to call all the insurers in your neighborhood? Try a licensed agent online. A good insurance agent will discuss the pros and cons of a wide variety of carriers and plans, provide free quotes, and offer you personalized advice.
• Do your insurance shopping online: Insurance shopping online can really pay off. You can obtain an assortment of group plan quotes before you ever have to call a broker. You’ll also find that the easiest way to contact an agent is via the Internet.
• Take advantage of every available tax break: Employers that offer their employees health benefits get significant tax benefits. You may be able to deduct 100% of any qualifying group health plan premiums. Also look into benefits of HRAs (Health Reimbursement Arraignments) and HSAs (Health Savings Accounts). Both are tax-exempt savings accounts designed to pay for your employees’ medical expenses.

To get started now, talk to our network of agents. Fill out an easy online form, and you’ll be contacted with free quotes.