Group Health Insurance 
Business Health Insurance; Get Exceptional Personalized Service, Affordable Rates and excellent "After-Care" not offered by most Insurance Agents found only on-line with Quote Me Now-Health
Discover the Benefits of a Group Health Plan
As a valuable component of a compensation package, a group health insurance plan can help you hire and retain the best workers. Plus, there are special tax incentives for businesses that provide health insurance.
Your Health Insurance Partner
I'm committed to helping you find the right health insurance plan at the right price. And when you buy through Quote Me Now-Health you'll get more than just a health insurance plan, you'll get a health insurance partner.
My Commitment to Your Business
Even after you buy, I'll help with all your health insurance needs and serve as your advocate with the insurance company. I'll even shop for competitive quotes for you when it's time to renew.
What are the benefits of providing group health insurance to my employees?
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It's no secret that employees value health insurance benefits. Surveys have shown that workers value health insurance coverage second only to monetary compensation. By offering group health insurance benefits to your employees, you may find it easier to hire and retain the best workers for your company.
As a business owner, you may not have health insurance coverage yourself. Perhaps you've considered shopping for an individual health insurance plan for yourself and your family, but did you know that by obtaining group insurance through a company, you may get better rates than through the individual market?
Additionally, there are various tax incentives available to you and your employees when you participate in a group health insurance plan. For example, businesses can generally deduct 100% of the premiums they pay on qualifying group health plans and, by offering group health insurance as part of a total compensation package; you may be able to reduce payroll taxes. Plus, your employees can pay their portion of the monthly insurance premium with pre-tax dollars. Make sure that you take these incentives into consideration when determining the affordability of a health insurance plan for you and your employees. |
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Your company will probably be eligible for a small business plan if it meets the following criteria:
- Your company consists of at least 4 (+) employees, as verified by officially-filed state quarterly wage and tax statements (e.g., NYS-45 in New York and DE-6 in California) or annual federal tax return documents;
- Your company is a legitimate business entity (i.e., your company was formed for a purpose other than to obtain insurance), as verified by one of the following documents:
- A business license or fictitious name filing (proprietorships and partnerships)
- Articles of incorporation (corporations); or
- Articles of organization (limited liability company
3. Your company meets the minimum employer contribution percentage set by the
insurance company.
Attract and Retain Valuable Employees with Group Long-Term Care Insurance
As our population ages and becomes more aware of the escalating costs associated with long-term care, demand is increasing for innovative solutions to these issues. Forward thinking employers are searching for flexible ways to meet the needs of their employees and their dependents, and to provide financial protection for the catastrophic effects of long-term care.
Offering group long-term care insurance programs for employees is rapidly gaining popularity as a new addition to employee benefit plans. Long-term care insurance products for your employees are available through highly rated insurers at a reasonable cost.
What are the employer benefits of offering group long-term care insurance?
- Builds morale and loyalty among workers. Employers are finding that sponsoring a group long-term care insurance plan shows concern for the welfare of their employees and their dependents.
- Enhances the attractiveness of your company as an employer and helps you to retain your most qualified, highly skilled employees.
- Encourages employees to focus on financial and retirement planning.
- Eases the burden on employees who act as caregivers for spouses or parents, resulting in increased productivity and decreased absenteeism.
What should employers consider before offering coverage to employees?
Employers interested in offering long-term care policies should educate their employees on the benefits of the insurance and then determine how much interest their employees have in an employer-sponsored policy.
Next, employers should decide whether to offer coverage without paying any portion of the premium or to make a contribution toward the premium. Some employers pay for their workers' base policy and offer them the option to "buy up" to a more comprehensive policy. Any employer contributions towards the premium for qualified long-term care insurance for the employee, his or her spouse, and his or her dependents are excluded from an employee's gross income and tax deductible for the employer.
Because every group, company or corporation is very different, I take the time to find the right plan based on your group's specific needs based on the company managementýs desires. To find out more information, or just check out the rates for group health insurance, fill out the no obligation group health insurance quote form. Or as always feel free to contact me by e-mail or phone number on my "Contact" page.
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