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Small Business Health Insurance - Coverage for Your Employees Ames IA

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!

Baldwin Marci
(515) 232-0771
516 Lincoln Way
Ames, IA
 
Langeland John Insurance
(515) 232-6001
1416 Buckeye Ave
Ames, IA
 
State Farm
(515) 232-0030
101 Main St
Ames, IA
 
State Farm Insurance
(515) 232-8090
2701 Stange Rd Ste 110
Ames, IA
 
Thrivent Financial For Lutherans
(515) 292-7077
315 6th St Ste 100
Ames, IA
 
Dolan Michael
(515) 232-3555
311 Lincoln Way Ste 2
Ames, IA
 
Alliance General Insurance
(515) 232-9271
319 Lincoln Way
Ames, IA
 
LWBJ Financial
(515) 233-1975
1530 S Duff Ave Ste 2
Ames, IA
 
American Family Insurance
(515) 232-3333
2713 Stange Rd
Ames, IA
 
Principal Financial Group
(515) 232-0127
414 S 17th St
Ames, IA
 

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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Iowa State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: autism, breast reconstruction, chiropractor, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, dependent/student adults, disabled dependent adults, domestic partner, civil union), diabetes (self-management and supplies), emergency room service, HPV vaccine, mammography, maternity minimum stay, mental health, nurse (includes nurse practitioner), optometrist, orthotics, physician assistant, prosthetics, well child care

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