A group with only a single full-time member may qualify for group health insurance in VT. The group may be a business, trade association or labor union and a single master contract will usually cover the entire group.

VT group health 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. VT group insurance also offers tax advantages because the employer contributions are almost always tax deductible in most cases.

There are three key points to consider when evaluating a Vermont group health insurance plan:

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

2. The amount the employee must pay before a Vermont group insurance company will cover the costs of treatment. A higher deductible usually means a lower premium.

3. The maximum amount that group health insurance in VT 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

Get Vermont group medical insurance through a broker

An independent broker usually has access to a large number of insurance carriers and does not rely on a single carrier for their business. An independent broker should be able to recommend the best health insurance plan for your business.

I recommend: Use the form at Thomas Insurance to apply for group health insurance. Thomas represents many major carriers including Hartford, Metlife and Blue Cross Blue Shield of Vermont.

Collect quotes from a company that provides group health insurance in Vermont

Group health insurance plans in Vermont are almost always preferable to individual plans. Qualifying members can be in much poorer health than an equivalent individual plan and the premiums are lower.

I recommend: Request information on group health insurance from H&H Business Benefits. You will complete a contact form including the number of employees in your business.

Solicit customized quotes for Vermont group health insurance quotes from specific agencies

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

I recommend: Contact Blue Cross Blue Shield of Vermont directly to discuss a group health insurance plan for your business.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide part-time employees customized Vermont insurance. 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.