Businesses with at least two full-time taxable employees or other associations such as labor unions qualify for group health insurance in Nevada. The provider usually writes one master contract to cover the entire group.

Nevada group insurance providers give small businesses benefits other than medical care for employees. Group health insurance distributes the financial risk between all of the members, usually resulting in lower premiums and greater coverage for a group health plan. Nevada group health insurance providers also offer tax advantages because the employer contributions are almost always tax deductible.

There are three key points to consider when evaluating group health insurance providers in Nevada:

1. The preferred provider organization. A health provider must generally be a member of the plan's PPO before a Nevada group health insurance provider will pay for any treatments.

2. The amount that the employee pays before Nevada group insurance companies will cover the costs of treatment. A higher deductible usually means a lower premium.

3. The maximum amount that a Nevada group health insurance coverage will pay. This is known as the benefit cap or coverage limit.

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

Contact a broker who represents multiple Nevada medical insurance carriers

An independent broker usually has access to a large number of insurance carriers and should be able to recommend the best health insurance plan for your business.

I recommend: Request a quote or other information on group health insurance and employee benefits from Knox Associates. This company offers a range of group health insurance plans.

Collect quotes from a variety of group health insurance providers in Nevada

Nevada group insurance companies almost always has a much lower health requirement and lower premiums for a group health plan than for an individual plan.

I recommend: Request a callback from InsureNV by choosing the type of insurance you seek and submitting the contact information form. This company is a division of Harrison Insurance and provides health insurance only in Nevada.

Solicit customized quotes from specific Nevada group health insurance providers

Provide complete information on your business and its employees when seeking a quote from a specific agency for group health insurance in Nevada.

I recommend: Complete the quote request form at NevadaHealthIns.com. It specializes in group health insurance of all sizes but also sells life insurance and mortgage protection plans, especially in the Las Vegas area.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Use a group health insurance provider in Nevada to customize a health plan for part-time employees. Self-employed individuals are usually able to provide their 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.