Group health insurance policies may be given to businesses in Washington DC with at least two full-time taxable employees or other associations such as labor unions. The Washington DC group health insurance provider usually writes one master contract to cover the entire group.

DC group insurance providers also offer small businesses benefits other than medical care for its employees. The financial risk is distributed between all of the members of the group, usually resulting in greater coverage and lower premiums for a group health plan. Washington DC group insurance also includes tax advantages because the all of the employer contributions are usually tax deductible.

Three key points to consider when evaluating a group health plans in Washington DC are:

1. The deductible, the amount that is paid by the policy holder before Washington DC group health insurance companies will begin to cover costs.

2. The coverage limit, the maximum amount that will be paid by group medical insurance in Washington DC.

3. The health provider network. Washington DC group medical insurance usually will cover only those services that were provided by specified health care professionals, so ensure enough local providers belong to the network to cover the medical requirements of your group.

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

Use a business association to obtain group health insurance in Washington DC

Doing business with an organization that specialize in administering health insurance plans for employers in the Washington DC, area will help keep your costs down.

I recommend: Provide your contact information to receive a call back from a NASRO representative. NASRO, or the National Association for Socially Responsible Organizations, provides business services and group health insurance in Washington DC, as well as in four other states.

Collect multiple quotes from a company that provide group health insurance in Washington DC

Employees almost always will prefer a group health plan over an individual health plan because the employer pays for a portion of the group health plan. Qualifying for group health insurance in Washington DC, also is easier than for an individual policy because it has a lower requirement on the health of its policy holders.

I recommend: John C. Jacobs Insurance provides Washington, DC group health insurance plans, as well as for employers in Delaware, Maryland, Pennsylvania, Virginia and Washington, DC. It works with major insurance carriers such as Aetna, Care First and Physician’s Mutual.

Get quotes from a specific Washington DC group insurance agent

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: The Harlow Group is in Reston, VA, and is licensed to sell group health insurance in several states, including Washington DC. The Harlow Group specialize in selling business insurance, especially in the northeastern United States.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide a customized health care plan for your part-time and temporary employees. Washington DC group medical insurance policies frequently will offer these employees a less expensive plan that provides basic coverage for essential benefits in addition to discounts on some services that are not covered outright. A part-time employee also is eligible to use Flexible Spending Accounts to manage health care costs.