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Small Business Health Insurance - Coverage for Your Employees Billings MT

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!

Western States Insurance Agcy
(406) 656-9800
2180 Overland Ave Ste 102
Billings, MT
 
Granite Insurance
(406) 839-2087
3209 Grand Ave
Billings, MT
 
Smith Walsh Clarke & Gregoire PLLP
(406) 727-4100
104 2nd St S Ste 400
Great Falls, MT
 
Western States Insurance Agcy
(406) 656-9800
2180 Overland Ave Ste 102
Billings, MT
 
MetLife Joe Lowther
(406) 672-5593
15th North 26th St. #204
Billings, MT
 
Farm Bureau Insurance
(406) 652-4844
2501 Saint Johns Ave Ste B
Billings, MT
 
Crawford Insurance Agency
(406) 259-9795
520 Wicks Lane St 9
Billings, MT
 
Cogswell Insurance Agency
(406) 761-5000
800 9th St S
Great Falls, MT
 
American Income Life
(406) 721-5185
111 N Higgins Ave
Missoula, MT
 
Farm Bureau Financial SVCS-Chris Heisel
(406) 449-6330
1205 Butte Ave
Helena, MT
 

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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Montana State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse treatment, autism, breast reconstruction, chiropractor, contraceptives, dependent coverage (including newborns, adopted children, dependent studenst/adults, disabled dependent adults, noncustodial children and stepchildren), diabetes (self-management and supplies), facility (public or other), home health care, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, naturopath, newborn hearing screening, nurse (midwife, anesthetist, practitioner), physical therapist, physician assistant, PKU/metabolic disorder, professional counselor, psychologist, social worker, well child care

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