Group Health Insurance for Small Businesses Clemmons NC
East Bend, NC
Title: Retirement Specialist
Company: Medwin & Associates
Gardner Webb University
Years Experience: 15
Stock Market Alternative,Wealth Management,Life Insurance,Long-Term Health Care Planning,Estate Tax Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Retirement Planning,Insurance & Risk Management Planning,Education Funding & Financial Aid Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning
Rutherford College, NC
Medicaid,Annuities,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Medicare Planning,Life Insurance,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning
Title: President & CEO
Company: Capital Financial Advisory Group. LLC
Investment Advisor Rep: Yes
Registered Investor: Yes
Years Experience: 18
Hourly Financial Planning Engagements,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Man
Group Health Insurance for Small Businesses
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...
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