Building a successful business is enough hard work, without the added headache of finding affordable, quality health insurance.
Whether you're just starting out, or own a small business with multiple employees, you're going to need help finding and securing health coverage.
Going into business for yourself can be a bit of a gamble. But not insuring yourself, family, or employees only raises the stakes. The two groups who should be most interested in a group health plan are:
Health insurance helps protect your finances in the following ways:
There are two primary categories of health insurance for small business owners and self-employed persons to choose from:
After that, there are more plan options to choose from:
PPO / Preferred Provider Organization 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:
HMO / Health Maintenance Organization plans offer health care services through a network of providers that contract exclusively with the HMO, or who agree to provide services to members. An HMO plan may be right for you if:
HSA-eligible plans are usually PPO plans with higher deductibles, designed for use with Health Savings Accounts (“SAs”). Similar to a flexible spending account (FSA) or 401(k), an HSA is a special bank account that allows participants to save pre-tax money specifically for future medical expenses in the future. 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:
We specialize in covering local businesses, and business owners like you. We have everything you need right here, including:
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.