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Small Business Health Insurance - Coverage for Your Employees Annapolis MD

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!

Cnr Insurance Inc
(410) 267-9378
166 West St
Annapolis, MD
 
Dan Friel Insurance Agency Inc
(410) 224-5656
2431 Solomons Island Rd Ste 203
Annapolis, MD
 
AAA Mid-Atlantic Insurance Agency
(410) 757-7400
1450 Ritchie Ct
Annapolis, MD
 
Friel Dan Insurance Agency Inc
(410) 224-5656
2431 Solomons Island Rd
Annapolis, MD
 
Carpenter, Gary - State Farm Insurance Agent
(410) 721-7474
2126 Espey Court
Crofton, MD
 
Ed Owen Insurance Agency
(410) 266-5080
108 Old Solomons Island Rd
Annapolis, MD
 
Jack Martin Insurance
(410) 295-3659
Rowe Blvd & Melvin Ave
Annapolis, MD
 
GEBCO Insurance Associates Inc
(410) 573-0011
2124 Forest Dr
Annapolis, MD
 
Allstate Insurance Companies
(410) 267-8850
914 Forest Dr Ste 201
Annapolis, MD
 
Stackhouse Dennis
(410) 721-8050
1673 Wilkshire Dr
Crofton, MD
 

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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Maryland State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, Alzheimer's, ambulance services payment, autism, blood products, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, chlamydia screening, cleft lip and palate, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, grandchildren, dependent student/adults, disabled dependent adults, domestic partner/civil union), diabetes (self-management and supplies), emergency room service, facility (public or other), family therapist, habilitative service for congenital or genetic defect, hair prothesis, hearing aids (including specifically for minors), home health care, hospice care, HPV vaccine, in vitro fertilization, licensed health professional, long-term care, mammography, marriage therapist, massage therapist, mastectomy minimum stay, maternity (including minimum stay), mental health, morbid obesity treatment, newborn hearing screening, nurse (midwife, anesthetist, practitioner), off-label drug use, optometrist, orthotics, physical therapist, physician assistant, PKU/metabolic disorder, podiatrist, prescription eye drops refills, prostate cancer screening, prosthetics, psychologist, residential crisis service, second surgical opinion, smoking cessation, social worker, testicular cancer minimum stay, TMJ disorder, well child care

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