First, when choosing a small business health plan, you'll want to make sure to go with a reputable, proven and trustworthy company that offers a wide variety of flexible options. 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 also want to know they've got the ability to take care of the changing need of your company as you continue to grow over 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. Preventive care should include: annual physical for adults and children, gynecological exam, mammogram and Pap test for women, prostate screening for men, pediatric as well as adult immunizations, and colonoscopies. Ideally, preventive care should be 100 percent covered by the plans offered and not subject to the deductible.
Another attractive feature to look for in the best group health insurance plans is the increasingly-popular prescription drug coverage employee-choice option. 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. An HSA plan can be an addition to group health plan coverage or actually in place of it. Some of your employees may really appreciate having this option. High deductible health plans are another good option, and those that qualify for a tax advantaged Health Savings Account can be a boon to some of your staff members.
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. Above all, however, remember to select a company that puts people above profits and demonstrates a caring spirit. 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 wanted to provide better coverage at a lower rate so he researched a small business group health insurance plan for his employees. Rocky Mountain Health Plans (RMHP) can get your business the Colorado group insurance plan you need. Visit http://www.rmhp.org/employer-groups/one-fifty/ for more information.
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