Group Health Insurance

Building a successful business is enough hard work, without the added headache of finding affordable, quality health insurance and group benefits for yourself and your employees.

Whether you're just starting out, or own a small business with multiple employees, contact Consultative Insurance Group to help you find and secure health coverage.

Going into business for yourself can be a bit of a gamble. But not insuring yourself, family, or employees only raises the stakes.

The two groups who should be most interested in a group health plan are:

• Self-employed persons
  
• Business owners

Health insurance helps protect your business and finances in the following ways:

• Discounted rates for medical care. 
• Spares you unexpected medical costs. 
  
• Improves access to quality care.
• Encourages a healthier lifestyle with regular checkups and preventive care. 
• Shields your business from personal medical costs. 
• Hire and retain great workers.

There are two primary categories of health insurance for business owners and self-employed persons to choose from:

• Individual and Family Plans 
• Business Group Plans 

After that, there are more plan options to choose from:

PPO / Preferred Provider Organization plans are the most popular for individuals and families.  A PPO plan may be right for you if:

• Your doctor already participates in the PPO network
• You want to direct your own health care, and can work with the predetermined preferred provider list

HMO / Health Maintenance Organization plans offer health care services through a network of providers that contract exclusively with the HMO, or who agree to provide services to members. An HMO plan may be right for you if:

• You’re willing to coordinate your care through a primary care physician, and follow the rest of the HMO guidelines
• Preventive care such as coverage for checkups, immunizations and similar services are important.

HSA-eligible plans are usually PPO plans with higher deductibles, designed for use with a Health Savings Account. A HSA is a special bank account that allows participants to save pre-tax money specifically for future medical expenses in the future. An HSA-eligible plan may be right for you if:

• You want to pay for health care expenses with pre-tax dollars
• You’re relatively healthy and don’t need lots of care or doctor visits
• You prefer a cheaper monthly premium even if it means having a higher deductible
• You want to “roll over” your contributions each year

Indemnity plans allow members to direct their own health, visiting any doctor or hospital they like most. Because of this freedom, Indemnity plans are sometimes more expensive than other types of plans. An Indemnity plan may be right for you if:

• You want the greatest level of freedom possible in choosing which doctors or hospitals to visit
• You don’t mind coordinating the billing and reimbursement of your claims yourself

We specialize in covering local businesses, and business owners like you. We have options your business needs, including:

• Monthly payment options to help spread out your payments so you can better manage your cash flow
• Coverage of temporary staff, full-time employees, and independent contractors
• Claims responsiveness when time is of the essence, especially in the event of an insurance claim
• Tailored coverage for the specific risks of your field and industry
• Knowledgeable agents who provide exceptional, passionate service

Contact Consultative Insurance Group and let our professionals help you determine which group health and benefits works for your business and your employees.