Small Business Health Insurance
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Health care represents a growing portion of the typical household budget. To cover these costs, many families rely on health insurance. Although health insurance is available to individuals and families unaffiliated with any group—see Individual Health Insurance Quotes—the restrictions and expense associated with this choice are often prohibitive. More often, employers, unions, and other groups offer small business health insurance as a benefit to their members or employees, often paying a portion of the premium as an additional benefit. Because the risks of such insurance are shared across the group, Small Business Health Insurance generally poses far fewer restrictions to the insured in terms of preexisting conditions, state of health, and other considerations.
Although Small Business Health Insurance poses fewer restrictions to membership than Personal Health Insurance, insureds are obligated to accept whatever limits of coverage are imposed on the group. In practice, this means that insureds are less able to tailor a policy to individual needs. Small Business health insurance policies usually require that claims be filed, and may have high deductibles. Generally preventive care is not covered. Low limits for major medical, mental health, and/or chemical dependency treatment may also be part of group health policies.
Offering Small Business Health Insurance is an expensive proposition for an employer, union, or other group. The advantages for employees and group members, however, are significant. As employee benefits go, Group Health Insurance is one that many employers would agree best enables them to attract and retain a high-quality work force.
Health insurance is a very personal coverage. Since it relates to the specific issues and coverage needed by a given family or individual, it has a detailed health application. As you progress through this site, we will offer a number of solutions to your health care needs. When you have decided on one or maybe two offerings to pursue, you will be transported to that company’s website to complete the application. Keep the following in mind:
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|The material provided on this website is for informational purposes only and is not a contract. It is intended to provide general information regarding the matters covered, but is not offered as legal or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information available on this website in consultation with your insurance representative and read your policy fully to understand the terms of coverage. Your insurance policy, not the information contained on this website, forms the contract between you and your insurance company and coverage is subject to the terms, conditions and exclusions of the actual policy issued.|
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