811 Amboy Avenue
The short answer is companies of all sizes.
It does not matter if you are self-employed, a small to medium size business, or a large company. You are going to need help finding and securing health coverage. Not having health insurance is a gamble you do not want to take.
In addition, since the Affordable Care Act of March 23, 2010, there may be a legal requirement for your group size to offer health insurance or pay a penalty for each employee.
Health insurance helps protect your finances in the following ways:
Hire and retain great workers. Employer-sponsored group health insurance coverage is a valuable inducement to top talent, as well as an important consideration in complete compensation packages
There are three categories of health insurance for business owners to choose from:
There are many plan options to choose from:
Preferred Provider Organization (PPO) plans are the most popular for individuals and families. It’s your responsibility to make sure that the health care providers you visit participate in the PPO. A PPO plan may be right for you, if:
Health Maintenance Organization (HMO) plans offer health care services through a network of providers who contract exclusively with the HMO or who agree to provide services to members. An HMO plan may be right for you if:
Health Savings Accounts (HSA) eligible plans are usually PPO plans with higher deductibles, designed for use with HSAs. Similar to a flexible spending account (FSA) or 401(k), an HSA is a special bank account, which allows participants to save pre-tax money, specifically for future medical expenses. An HSA-eligible plan may be right for you if:
Indemnity plans allow members to direct their own health, visiting any doctor or hospital they like most. Because of this freedom, Indemnity plans are sometimes more expensive than other types of plans. An Indemnity plan may be right for you, if:
Self-funded plans historically only used by larger employers are now available to small groups and midsize groups to control costs. You must have a minimum of 5 employees enrolled.
We specialize in covering business owners like you. We have everything you need, including:
We have a plethora of experience in this field of health insurance information. We understand the pre-ACA plans and the post-ACA plans. We offer this knowledge to you because there is no such thing as a one-size-fits all insurance policy when it comes to your business.
We understand that healthcare is a necessity. When considering a group health insurance plan, it is very important you have a clear understanding of what is required because the rules differ depending on the size of your company.
Contact us today, and we will help you protect what matters most.