Building a successful business is enough hard work, without the added headache of finding affordable, quality health insurance.
If you have a Group Health Insurance plan for your employees but you haven’t talked with our Group Health Experts at Pasadena Insurance, you may be paying too much money.
Whether you're just starting out or own a small business with multiple employees, you're going to need help finding and securing health coverage.
oing 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:
Health insurance helps protect your finances in the following ways:
There are two primary categories of health insurance for small business owners and self-employed persons to choose from:
Preferred Provider Organization (PPO) plans are the most popular for individuals and families. It’s your responsibility to make sure that the health care providers you visit participate in the PPO. A PPO plan may be right for you, if:
Health Maintenance Organization (HMO) plans offer health care services through a network of providers who contract exclusively with the HMO or who agree to provide services to members. An HMO plan may be right for you if:
Health Savings Accounts (HSA) eligible plans are usually PPO plans with higher deductibles, designed for use with HSAs. Similar to a flexible spending account (FSA) or 401(k), an HSA is a special bank account, which allows participants to save pre-tax money, specifically for future medical expenses. An HSA-eligible plan may be right for you if:
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:
To maintain employee productivity at a high level, a well designed plan is an important ingredient. Our insurance professionals at PIAI Life, Inc. will access the multiple insurance companies we represent to provide the perfect benefit package for your company.
Many benefit plans are available and we tailor the plans to meet your employee’s needs, whether employer paid or voluntary options. We assist you in providing coverage for the catastrophic medical condition to the day to day things like prescription medications and preventive care.
Don’t wait another minute to take care of this vital issue…Complete the Free Quote Request Form on this page, today. We will contact you when we receive it to begin a no-obligation consultation about your group health insurance needs.