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Small Business Health Insurance - Coverage for Your Employees Fenton MO

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!

LPL Financial Services
(636) 200-4120
2997 Clarkson Rd
Chesterfield, VA
 
Nationair Insurance Pleasure & Business
(636) 532-0023
595 Bell Ave
Chesterfield, VA
 
Pelt Byron
(314) 469-7575
12642 Dorsett Rd
Maryland Heights, MO
 
American Family Insurance- Kari Leslie (Peterson)
(314) 205-2050
11705 Dorsett Rd
Maryland Heights, MO
 
Allstate - Joseph Knecht
(636) 928-2228
4556 Parketowne Dr. Suite 1
Saint Charles, MO
 
Principal Financial Group
(636) 449-0760
14755 N Outer 40 Rd
Chesterfield, VA
 
Allstate Insurance Companies
(314) 738-0400
12131 Dorsett Rd Ste 216
Maryland Heights, MO
 
American Family Insurance
(314) 770-1900
12131 Dorsett Rd
Maryland Heights, MO
 
Egisure Insurance
(636) 946-6126
3551 Veterans Memorial Pkwy
Saint Charles, MO
 
Asset Archiving of St Louis
(636) 922-0221
79 Muirfield Hill Pl
Saint Charles, MO
 

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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Missouri State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, ambulatory surgery centers, audiologist, blood lead poisoning screening, bone marrow transplant, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, dependent students/adults, disabled dependent adults), diabetes supplies, emergency room service, family therapist, hair prosthesis, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, newborn hearing screening, nurse practitioner, off-label drug use, optometrist, PKU/metabolic disorder, podiatrist, prostate cancer screening, psychologist, second surgical opinion, speech therapist, well child care

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