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Small Business Health Insurance - Coverage for Your Employees Waltham MA

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!

Bettinson Insurance Agency Incorporated
(781) 648-0128
927 Maschsts Ave
Arlington, MA
 
W.T. Phelan Insurance
(781) 641-7200
645R Massachusetts Avenue
Arlington, MA
 
Harvard Pilgrim Health Care Foundation
(617) 509-9421
93 Worcester Street, Suite 100
Wellesley, MA
 
Galante Ralph J
(617) 864-5586
1939 Massachusetts Ave
Cambridge, MA
 
Global Insurance Network
(617) 320-3208
69A Grozier Road
Cambridge, MA
 
Tufts Health Plan
(617) 972-9400
705 Mount Auburn Street
Watertown, MA
 
Phelan W T And Company Insurance Agency
(781) 643-7117
1193 Maschsts Ave
Arlington, MA
 
Chiswick Services, LLC
(617) 416-4751
51 Graylynn Road
Newton, MA
 
HUB International New England
(617) 547-3620
125 CambridgePark Drive
Cambridge, MA
 
T. Edmund Garrity & Company Inc
(617) 354-4640
545 Concord Avenue, Suite 16
Cambridge, MA
 

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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Massachusetts State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, audiologist, blood lead poisoning screening, bone marrow transplant, breast reconstruction, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), contraceptives, dentist, dependent coverage (including newborns, adopted children, foster children, disabled dependent adults), diabetes (self-management and supplies), early intervention service, emergency room service, hair prosthesis, home health care, hospice care, hormone replacement therapy, infertility services, in vitro fertilization, mammography, maternity (including minimum stay), mental health, newborn hearing screening, nurse (midwife, anesthetist, psychiatric, off-label drug use, optometrist, orthotics, pediatric specialist, PKU/metabolic disorder, podiatrist, professional counselor, prosthetics, psychologist, rehabilitation services, social worker, speech therapist, well child care

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