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Small Business Health Insurance - Coverage for Your Employees Ankeny 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!

Israel Ken Insurance Agency
(515) 288-4250
3500 2nd Ave Ste 5a
Des Moines, IA
 
Pastorino Insurance Agency - Farmers Insurance
(515) 263-0099
1514 E Grand Ave, Ste B
Des Moines, IA
Alternate Phone Number
515-263-0099
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The Best Value For Your Insurance Dollar
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www.pastorinoinsurance.com

Flesher & Associates
(515) 274-5500
1239 73rd St Ste H
Des Moines, IA
 
Nalley James D CPA-ABV-CVA
(515) 282-8019
1707 High St
Des Moines, IA
 
Ncp Investment Banking
(515) 244-8120
100 Market St
Des Moines, IA
 
Donaghy Kempton Insurors
(515) 288-8545
4000 6th Av
Des Moines, IA
 
Davis Insurance Agency Inc
(515) 274-3838
2815 Beaver Av Ste 200
Des Moines, IA
 
Anderson Insurance
(515) 274-4022
5741 University Ave
Des Moines, IA
 
Fortress Wealth Management
(515) 225-1712
2894-106th st
Urbandale, IA
 
Kevin Olsen Insurance
(515) 253-0489
6000 Douglas Ave Ste 210
Des Moines, 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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