Articles Editor's Blog Reader Mail

Small Business Health Insurance - Coverage for Your Employees Manchester NH

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!

Blue Cross And Blue Shield Of New Hampshire
(603) 695-7000
3000 Goffs Falls Rd
Manchester, NH
 
Nationwide Insurance
(603) 577-9531
491 Amherst St Ste 1
Nashua, NH
 
Bergeron Agency
(603) 881-7708
361 Main St
Nashua, NH
 
Gate City Insurance Group
(603) 888-9911
3 F Taggart Drive
Nashua, NH
 
Allstate Insurance Companies
(603) 224-7444
239 Loudon Rd Ste 5
Concord, NH
 
Soucy Daniel
(603) 577-9531
491 Amherst St
Nashua, NH
 
Eaton & Berube Insurance Agency Inc
(603) 882-2766
11 Concord St
Nashua, NH
 
Corriveau Insurance Agency
(603) 883-5528
115 Main St Ste 6
Nashua, NH
 
Eames Insurance Services
(603) 225-3633
78 Airport Rd
Concord, NH
 
Kahlan Insurance
(603) 224-9751
248 S Main St
Concord, NH
 

Small Business Health Insurance - Coverage for Your Employees

Provided By: 

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, ...

Click here to read the rest of this article from Insurance Guide 101

New Hampshire State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, ambulance payments, autism, birthing center/midwife, bone marrow testing and transplant, breast reconstruction, chiropractor, clinical trial (cancer), contraceptives, dental anesthesia, dependent coverage (including newborns, adopted children, grandchildren, dependent student/adult, disabled dependent adults, domestic partner and civil union), developmental disability, diabetic supplies, early intervention service, emergency room service, family therapist, hair prosthesis, mammography, marriage therapist, maternity (including minimum stay), mental health, morbid obesity treatment, nurse practitioner, off-label drug use, optometrist, orthotics, osteopath (D.O.), pastoral counselor, PKU/metabolic disorder, podiatrist, professional counselor, prosthetics, psychologist, reconstructive surgery, residential crisis service, social worker, telemedicine

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap