Groups of employees, members of associations or labor unions with at least two full-time taxable employees are eligible for AL group insurance. The provider usually writes one master contract to cover the entire group.

Alabama group health insurance carriers give small businesses other benefits besides medical care for its employees. Group health insurance distributes the financial risk between all of the members, usually resulting in lower premiums and greater coverage for group health insurance. Alabama group insurance also has tax advantages because all of the employer contributions are tax deductible in most cases.

There are three key points to consider when evaluating an Alabama group health insurance plan:

1. The health provider network. An Alabama group insurance company will frequently only cover services by certain health providers. Ensure that there are enough providers in your area to cover the medical requirements of your group.

2. The deductible. This is the amount, if any, that must be paid be the employee before Alabama group health insurance carriers will begin to cover costs.

3. The coverage limit. This is the maximum amount that group health insurance coverage in Alabama will pay.

Action Steps
The best contacts and resources to help you get it done

Get a referral to a licensed insurance agent for Alabama health insurance

A referral provides you with a quote and the contact information of insurance agents without speaking to them until you are ready to.

I recommend: Fill out the census form at Barry Hamric Insurance to receive a quote within a few days. This site also has a large amount of health insurance information that is specific to Alabama.

Collect quotes from a variety of companies that provide group health insurance in Alabama

Employees will want to join a group health plan if you have this option because the employer will pay for a portion of the group health plan. Group health insurance coverage in Alabama has a much lower requirement on the overall health of its policy holders than individual health insurance does.

I recommend: Go to eHealthInsurance to find insurers that offer free quotes on group health insurance. Alabama residents can choose from major insurers such as Golden Rule and Aetna.

Solicit a quote from a specific agent for group health insurance in Alabama

To avoid any costly surprises, supply the most complete information you can about your business and its employees when seeking a quote from a specific agency for group health insurance in Washington, DC.

I recommend: Complete the application form at the Seales Insurance Agency website for your business. You will receive a free quote directly from this company.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide part-time employees a health care plan that is customized for their needs. Group health insurance carriers in Alabama are usually best able to serve your employees with a less expensive plan that provides basic coverage for essential benefits and discounts on some services that are not covered outright. Flexible Spending Accounts are another method that a part-time employee can use to manage health care costs.
• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. This type of group health insurance for Alabama usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures much more closely than with a traditional health care plan.