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Group Health Insurance for Small Businesses Charlotte NC

Even better, group insurance has tax advantages too. Employer contributions to a small business dental and health insurance plan are generally 100% tax deductible for the employer and employees will likely save on payroll taxes. Everyone wins!

Blue Cross/Blue Shield of N.C.
(704) 561-2700
P.O. Box 35209
Charlotte, NC
 
Humana MarketPoint
(704) 643-1009
6100 Fairview Road
Charlotte, NC
 
Health Markets Insurance Companies
(704) 564-1106
5000 Nations Crossing Rd
Charlotte, NC
 
HealthMarkets
(704) 685-5576
8520 Cliff Cameron Drive
Charlotte, NC
 
Jordan Insurance Agency (The)
(704) 926-7565
15720 John J Delaney Drive #300
Charlotte, NC
 
Lash Group Healthcare Consultants
(704) 357-8869
3735 Glen Lake Drive
Charlotte, NC
 
WellPath
(704) 357-1421
2815 Coliseum Centre Dr., Suite 550
Charlotte, NC
 
Liberty Mutual
(704) 596-4045 Ext:224
10420 Harris Oak Blvd, SteC
Charlotte, NC
 
Jordan Insurance Agency (The)
(704) 926-7565
15720 John J Delaney Drive #300
Charlotte, NC
Prices and/or Promotions
Agency

Johnson Insurance Group
(704) 854-8646
1905 E. Garrison Blvd.
Gastonia, NC
 

Group Health Insurance for Small Businesses

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Group Health Insurance for Small Businesses

Small business? Do you have between 2 and 50 people in your organization? With as few as two you may qualify for a group dental or health insurance plan.

Small business dental and health insurance has many benefit's. Besides providing medical care for yourself and your employees, a group insurance plan helps spread the financial risk between all the members. Most of the time, this will mean lower premiums and better coverage for the individuals in the group.

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Even better, group insurance has tax advantages too. Employer contributions to a small business dental and health insurance plan are generally 100% tax deductible for the employer and employees will likely save on payroll taxes. Everyone wins!

How does this group insurance work? A small business dental or health insurance plan provides it's members with a set policy coverage. Individual employees may be able to add policy riders and additional coverage to fit their specific needs, but the basic policy format will remain the same for everyone in the group.

Likewise, although small business dental and health insurance comes in a variety of shapes and sizes (fee-for-service, HMO, DHMO, PPO, POS to refer to the most common), the format your organization chooses will apply to all members. Given this, it makes sense to talk to your employees and determine if the group as a whole has a preference for the type of dental or health plan chosen. There are pros and cons to each one.

Remember that group health or dental insurance cannot be made compulsory. However, you may have to maintain a minimum number of participants in order to guarantee coverage. This is where getting the feedback of your employees regarding their preference can really help in maintaining the plan.

Will you company be able to afford this? Well, group dental or health insurance is less expensive than the cost of a bunch of individual policies added up, but it's not cheap. As the employer, you will have to be prepared to pay some percentage of an employees premium. This could be as high a...

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North Carolina State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, birthing center/midwife, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, cleft lip and palate, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, foster children, disabled dependent adults), diabetes (self-management and supplies), emergency room service, facility (public and other), family therapist, lymph edema, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, newborn hearing screening, nurse (including midwife, anesthetist, practitioner, psychiatric), off-label drug use, optometrist, ovarian cancer screening, pastoral counselor, pharmacist, physician assistant, podiatrist, professional counselor, prostate cancer screening, psychologist, social worker, TMJ disorder, well child care

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