Since each employee will have different needs, from needing coverage for just them or for their entire family, finding a trustworthy company that has a wide variety of options is essential. You will want a company that shows robust and generous benefit levels, a variety of options as well as evidence that they are continually evolving with the times. You will want to see that they demonstrate the ability to meet your company's changing needs as you grow throughout the years.
Some specific features to look for are reasonably-priced out-of-pocket minimums and predictable office visit co-pays that are clearly shown up front in each policy. You'll want to find a policy with 100% coverage for x-rays, lab fees and other services. Ideally, the group health plan you find will also provide 100 percent coverage for preventive care.
Look for straightforward, clearly described benefits, comprehensive coverage and low out-of-pocket maximums as well as minimums. You will want to see that the same office visit co-pay will be collected regardless of whether the patient seeks primary or specialty care. Packages should also provide preventative care including annual physicals, OBGYN exams, mammograms and PAP tests for women, screening for men of their prostate glands and immunizations for kids as well as adults. Ideally, preventive care should be 100 percent covered by the plans offered and not subject to the deductible.
Another great feature to look for in top notch group health insurance policies is total prescription drug coverage or one with minimal co-pay. This benefit offers the employees the choice to select brand name or generic-only drug coverage while allowing the employer the simplicity of providing one plan. This feature will allow your employees the flexibility to choose their own perfectly-matched plan which meets their specific personal budgetary concerns and health needs.
Another valuable option to have access to is a Health Savings Plan. This can be in addition to or in lieu of actual group health plan coverage. Some of your employees may really appreciate having this option. HSAs are tax advantaged and are a great option for those who choose a health care plan with a high deductible which usually means lower monthly premium payments.
Ultimately you should find a provider that will offer your employees options for their routine as well as specialized care, as well as options in terms of available plans to fit any budget. On top of everything, finding a company demonstrates a caring spirit instead of being more concerned with profits is the key. While the specific features of the small business health plan are important to consider, the way the provider will treat your employees down the road is perhaps the most important consideration.
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Royce Vangoff looked into getting a better small business group health insurance plan that would provide better coverage at a lower rated. Get your business the coverage it needs with Colorado group insurance plans from Rocky Mountain Health Plans (RMHP). Visit http://www.rmhp.org/employer-groups/one-fifty/ for more information.
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