Create a valuable Wellness Program for your employees. Download a free paper today.
Free Data Sheet | Download Today
www.workscape.com




Find the Best Prices. 3 Easy Steps. Get Quotes, Choose a Plan & Apply!
www.eHealthInsurance.com
Anthem Blue Cross - Official Site Get Coverage at a Great Price Now!
SmallBusiness.Anthem.com/CA
Find out why so many small businesses choose UnitedHealthcare®
UHCToday.com/SmallBusiness
Flexible Plans. Great Rates. Real Benefits. Get a Free Quote Now!
www.HealthInsuranceSavings.com
Choose From Affordable Health Plans Compare prices, Apply & Buy Online.
www.BlueShieldCAplans.com
Custom-Designed Health Insurance For Individuals & Dependents. New!
www.aarphealthcare.com/aetna
Buy Only Individual Health Ins. You Need. Save Up to Hundreds Today!
www.AssurantHealth.com
Fast, Free and Easy Health Quotes, Geat Quotes in 30 Seconds. Save!
www.TheHealthInsuranceCenter.com
Personal health coverage plans. Compare options and enroll online.
www.Aetna.com
Free White Paper on 10 Things To Know about Benefits Outsourcing
www.emplicity.com/EmployeeBenefits
Decision support tool for employers & payors. Lower cost, improve care.
www.healthgrades.com/Employers
This website is a comprehensive resource for information on the company's health benefits and group insurance products. Interactive tools include DocFind(R), an online provider directory, and EZenroll, an online enrollment application.
www.aetna.com
Nationally available group health insurance and medical employee benefit plans including Managed Care, PPO, Point of Service, and Indemnity.
www.aiba.com
A progressive health plan that successfully integrates complementary and alternative therapies with conventional major medical coverage. Subscribers can select any doctor of their choice.
www.althlthins.com
Multiline insurance service corporation based in California. Associated with Blue Cross, Blue Shield, Calfarm, CareAmerica, Health Plan of the Redwoods, Kaiser, PacifiCare and Universal Care.
www.assuredhealth.com
Affordable health care coverage, supplier of business strategy, technical support and consulting expertise.
www.bluecross.com
Committed to serving people in the government-assisted population, those who need special access to primary and preventive health maintenance and treatment services.
www.chartered-health.com
Nonprofit health-maintenance organization, serving members in several states. Site allows searches by services and by state, explains services and provides current health news.
www.kaiserpermanente.org
Access medical, surgical, and rehabilitative care benefits for US veterans. Includes facility locations and an index of patient rights.
www.va.gov
Create a valuable Wellness Program for your employees. Download a free paper today.
Free Data Sheet | Download Today
www.workscape.com
Find the Best Prices. 3 Easy Steps. Get Quotes, Choose a Plan & Apply!
www.eHealthInsurance.com
Anthem Blue Cross - Official Site Get Coverage at a Great Price Now!
SmallBusiness.Anthem.com/CA
Find out why so many small businesses choose UnitedHealthcare®
UHCToday.com/SmallBusiness
Guide to Medical Benefits
Provide quality healthcare benefits to your employees without breaking the bankFor small businesses, these choices can be even more difficult. If you don't have a large employee base among which you can allocate the medical risks, one or two employees with high medical needs can make your entire company's health benefit services extremely expensive. And even without these attributable higher costs, your ability to offer benefits at employee rates comparable to larger organizations can be virtually nonexistent. If you're a small business owner, it's important to review all the options available to you carefully.
When reviewing your employee medical benefit program, among the key points to consider are:
1. The goals of your employee health insurance program;
2. The size of your company;
3. The amount you can spend on group health insurance.
Action Steps
The best contacts and resources to help you get it done
Determine what goals you want to achieve through offering health benefits to your employees
It's important to set forth a series of HR-related goals that you want to reach through your medical benefits program. If you want to attract new employees, you need to make sure that your package is comparable or superior to your competitors'. If you want to retain your current talent, it's important that their medical benefit rates don't rise at a rate higher than their salary.
I recommend:
eHealthInsurance.com offers your business the ability to search among several healthcare insurance companies to find the one that best fits your needs.
Right-size your employees' healthcare benefits relative to your company's size
It's a simple fact that a small business cannot achieve rates similar to large employers. This is because of the insurance industry's various actuarial charts--employers such as the federal government can offer their employees superior benefits at a low price. Instead, be realistic about the rates your company can expect to pay for the health benefit services your employees need.
I recommend:
Assurant Health provides you with a choice among several employee medical benefits plans, including those that give your employees more choices in how their premiums are spent.
Be firm in the amount you can afford to spend on employee medical insurance
Unfortunately, it's a possibility that the rates your company can receive from healthcare benefits providers are higher than you can afford to spend. You can't bankrupt the company by spending more than you have to spend; if you know this amount going into discussions with the insurance agent, you'll be better able to discern if the plans being offered will work for your company.
I recommend:
UnitedHealthcare and Aetna both offer benefit plans tailored to small businesses.
Tips & Tactics
Helpful advice for making the most of this Guide- Consider looking into HSA medical benefit accounts to allow your employees more input into how their medical dollars are spent. In many cases, these accounts allow you to provide your employees with the coverage they need at a price you can afford.








