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Small Business Health Insurance - Coverage for Your Employees Alamogordo NM

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!

A & B Insurance Services
(505) 982-8703
2209 Brothers Rd
Santa Fe, NM
 
Brown & Brown Insurance
(575) 624-0404
601 W 2nd St Ste 6
Roswell, NM
 
Mesilla Valley Insurance Group Inc
(575) 527-8800
545 S Melendres St Ste C
Las Cruces, NM
 
Heisch Robin Insurance Agency
(505) 268-6634
1437 Wyoming Blvd NE
Albuquerque, NM
 
Leavell Insurance Inc
(575) 393-2550
117 E Broadway St
Hobbs, NM
 
Farm Bureau Financial Services
(575) 391-6822
3327 N Grimes St
Hobbs, NM
 
Johnson Jennifer - State Farm Insurance
(575) 622-3276
102 E Linda Vista Blvd
Roswell, NM
 
Hester Insurance Agency
(575) 622-0044
1904 N Main St
Roswell, NM
 
Farmers Insurance Agency
(505) 983-2302
228 S Saint Francis Dr Ste D
Santa Fe, NM
 
Allstate Insurance Agency
(575) 392-1882
4210 N Grimes St
Hobbs, NM
 

Small Business Health Insurance - Coverage for Your Employees

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Small Business Health Insurance

Own a 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.

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, ...

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New Mexico State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse, anti-psychotic drugs, autism, birthing center/midwife, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, circumcision, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, noncustodial children or stepchildren, dependent students/adults, disabled dependent adults, domestic partner and civil union), diabetes (self-management and supplies), emergency room service, hair prothesis, home health care, HPV vaccine, infertility services, in vitro fertilization, lay midwife, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, newborn hearing screening, nurse (midwife, anesthetist, practitioner, off-label drug use, optometrist, orally administered anticancer medication, oriental medicine, osteopath (D.O.), physical therapist, PKU/metabolic disorder, podiatrist, prostate cancer screening, protein screening, psychologist, smoking cessation, TMJ disorder, well child care

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