Articles Editor's Blog Reader Mail

Small Business Health Insurance - Coverage for Your Employees Pawtucket RI

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!

Nationwide Insurance Company Claims Dept
(401) 726-3210
404 Smithfield Ave
Pawtucket, RI
 
Allstate Insurance Companies
(401) 729-1911
727 East Ave
Pawtucket, RI
 
Shove Insurance
(401) 722-1185
100 East Ave
Pawtucket, RI
 
Allstate Insurance Companies
(401) 728-8686
720 Central Ave
Pawtucket, RI
 
Andrews & Lozy Agency
(401) 722-4271
450 Armistice Blvd
Pawtucket, RI
 
Chatterton Insurance Inc
(401) 722-6010
150 Main St
Pawtucket, RI
 
Gardiner Whiteley Boardman
(401) 726-3330
1 Main St
Pawtucket, RI
 
Loiselle Insurance Agency
(401) 762-1000
279 Dexter St
Pawtucket, RI
 
Lefebvre Smith Insurance
(401) 724-1660
664 Armistice Blvd
Pawtucket, RI
 
Ameen Robert J
(401) 722-6639
390 Newport Ave
Pawtucket, RI
 

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

Rhode Island State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse, ambulance transportation and services, anti-psychotic drugs, asthma education and self-management, autism, birthing center/midwife, blood lead poisoning screening, breast reconstruction, cancer pain medication therapies, cervical cancer/HPV screening, chemotherapy, chiropractor, chlamydia screening, clinical trial (cancer), colorectal cancer screening, contraceptives, dependent coverage (including newborns, adopted children, dependent students/adults, disabled dependent adults, domestic partner and civil union), diabetes (self-management and supplies), early intervention service, emergency room service, facility (public or other), family therapist, first nurse assistant, hair prosthesis, hearing aids for minors, home health care, hysterectomy minimum stay, infertility services, in vitro fertilization, kidney disease, lay midwife, licensed health professional, lyme disease, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, nurse (psychiatric, practitioner, off-label drug use, optician, optometrist, oral surgeon, orthotics, osteopath (D.O.), ovarian cancer screening, PKU/metabolic disorder, podiatrist, prescription drugs, professional counselor, prosthetics, prostate cancer screening, psychologist, second surgical opinion, smoking cessation, well child care

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