Group Major Medical Insurance
Health Insurance that Fits your Budget!
If you have a company with 5 and more full-time eligible employees, we offer group major medical coverage that will fit your budget and needs. We represent a variety of insurance companies like Aetna, Humana, Vista, and United Healthcare to mention a few. They in turn offer a variety of plans to choose from, to fit your budget and needs, such as HMO, PPO, POS and HSA plans.
To receive a group insurance quote for your business, please click here and complete it and fax it to us at 954-301-0925.
Health Insurance Coverage
If you presently have a group insurance plan in effect, it would be helpful to receive a copy of the coverage and the renewal rate.
Group insurance coverage is more comprehensive than individual insurance, and everybody gets automatically insured, even though they may experience some medical issues. Pre-existing condition waiting periods may be waived, or reduced, if the employee show the certificate of credible coverage from a prior insurance carrier.
Health insurance benefits are very costly, and it makes it attractive for an employee to stay with a company that offers benefits to help reduce the cost.
The company has to contribute at least 50% of the premium for the employees.
Health Insurance Tips
The past three years have seen double-digit increases in group insurance premiums. Providing health insurance for employees is the number on concern of smaller companies today. How do companies find quality group insurance at reasonable rates?
- Find an agent who represents many carriers. You’ll get objective advice and quotes from multiple carriers. Have the agent compare the benefits and quotes with you, to match your business with the best plan and save you money.
- Consider a high deductible plan. You can save money and still offer quality coverage for your employees. Even though the employees will have to pay the deductibles, they will have catastrophic hospital coverage, which is the most important part!
- Health Savings Accounts. HSAs provide an important tax break for you and your employees. The tax-favored accounts are used together with high-deductible plans, and the contributions are exempt from taxes.
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