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Liability
Insurance Quotes
 Compare Group Health Insurance Quotes and
Save!
By offering group health insurance, you’re making an important
investment in your workforce and offering a valuable benefit to your
employees. Before you decide on a plan, however, it’s necessary to
understand the many different types of policies available. This is where
InsureOffers.com can help. We offer a wide range of information
resources to help you to identify the best plan for your needs,
including an extensive articles library.
Once you’re ready to obtain group health insurance quotes from some of
the nation’s top providers, just complete and submit our simple,
6-minute online questionnaire. When you receive your free quotes,
InsureOffers.com can help you choose an affordable policy that offers
quality coverage for your employees.
There’s no better time than now to starting
saving up to 20% on insurance premiums by shopping online with
InsureOffers.com. To date, we’ve connected over 25 million users to the
insurance industry's largest agent network. Collect and compare your
free group health insurance quotes today, and discover just how much you
can save!
Why Do You Need Group Health Insurance?
It’s no secret that today’s health insurance costs have skyrocketed. As
an employer, you may think that you can’t afford to provide group health
insurance to your staff. But before you make such a judgment, shouldn’t
you consider how offering an employee health plan is good for your
business? Here is some food for thought:
- In order to succeed in business today,
employers must compete to attract and retain the best and the
brightest employees. For many employees, a group health plan is the
most desirable benefit an employer can offer—even more desirable
than a higher wage.
- Employees who are covered by health
insurance are more likely seek to medical treatment when they need
it, and a healthier work force means lower absenteeism and higher
productivity.
- You may be able to deduct the premiums you
pay and reduce your payroll tax by offering a health insurance plan
for your employees.
How to Shop Smart for Group Health Insurance
Quotes
The cost of health insurance is one of the number-one concerns of
smaller businesses today. If your current group health premiums are
breaking your budget, or if you have no health plan but would like to
offer one, shopping for the best value in a quality plan is essential.
Here are some things to keep in mind as you review your options:
- You can get valuable group health
insurance coverage at a reasonable rate through a high-deductible
plan. Employees will have to pay out-of-pocket deductibles, but
they'll be protected from the serious consequences of being without
coverage in the event of major illness or injury.
- While you can share costs with your
employees, as the employer you are required to contribute at least
25% of the premiums for group medical insurance coverage.
- Many group medical carriers require
participation by at least 60% to 70% of eligible employees in order
to underwrite (provide coverage to) the group.
- Understand the difference between
fee-for-service plans and managed-care plans. Fee-for-service plans
are more expensive but offer greater choice of providers.
Managed-care plans, such as health maintenance organizations (HMOs)
and preferred provider organizations (PPOs), help to keep costs
down.
- At first glance, the lowest rate may seem
the most attractive, but be sure to consider the coverage offered by
each plan as well as the cost of the premiums. Make sure
coverages—such as hospital expenses, major medical, physicians’
fees, and prescriptions—are essentially the same before comparing
the rates.
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