Protect Your Employees with Affordable Insurance

Getting coverage through a small business health insurance plan can be more affordable than buying coverage by yourself. Here’s what you need to know:

Coverage is generally guaranteed issue
You need at least one employee to qualify
You must contribute toward employee premiums
And you can shop for coverage at any time of the year

Group Medical Health Insurance

Health insurance can help your small business both by providing you and your employees with quality medical care, and by helping you attract and retain the best employees.

Enhanced Benefits

Disability Insurance, Critical Illness, Hospital Indemnity, Dental, Vision, Life Insurance, Legal Plan, and Identity Theft. There are also ways to bundle several plans into one for even more savings.

Group Medicare Retirement Plans

For many employers, our Medicare Advantage plans provide more efficient coverage compared to Original Medicare and a secondary plan. Let us help you with the right Medicare retirement plan for your employees.

Homecare Insurance

Medicare typically does not cover long-term home care, such as services provided by a home health aide.

Compare Types of Small Business Health Insurance Plans

Learn about different types of health insurance coverage options to find the plan that’s best for you and your employees. Common types of health insurance plans include:

Health Maintenance Organization (HMO): HMO plans offer affordable, comprehensive health coverage with relatively low out-of-pocket costs, but most care must be done in-network to avoid additional costs.

Preferred Provider Organization (PPO): While premiums are often higher for a PPO than for an HMO plan, a PPOs typically offer larger networks and will give you more flexibility.

Point of Service Plan (POS): A POS health plan is a hybrid, containing features of PPOs and HMOs. POS plan premiums are often mid-range between HMO and PPO plans. However, POS network size varies by location.

How to choose the right small business health insurance plan

Assess your needs

First, determine what your small business needs in a health insurance plan. Consider the following:

Who will be covered? Consider the needs of your employees and their dependents to find a plan that will suit the diverse medical and financial needs of the group.
How much cost sharing can you afford? Premiums for small business health insurance are paid by the employees and the employer. Make sure consider how much cost sharing makes sense for your business.
What kinds of benefits are important for you and your employees? While federal privacy laws prohibit employers from inquiring about employees medical history, it’s important to ask your employees which types of benefits are important to them.

Compare small business health insurance options

There are a lot of factors to consider when weighing your small business health insurance options. At Primordial, we recommend using the following 5 criteria to find plans that best match your needs:

Monthly premiums: Know what you and your employees will be able to pay on a monthly basis.
Deductibles, copayments and coinsurance: Ensure these types of payments will be manageable for you and your employees when you receive medical care.
Medical provider networks: If you already have a preferred doctor or facility, make sure they’ll be included in your new coverage.
Prescription drug coverage: Use Primordial prescription drug comparison tool to see which plans cover costs of certain prescriptions.
Coverage add-ons: With Primordial, you can add things like vision and dental care to ensure your employees are fully covered.

Small business health insurance enrollment process

Enrollment is the process of getting your employees and their dependents signed up for your new health plan. Once you’ve selected a plan, an Primordial agent can walk you through the enrollment process.
During enrollment, be sure to answer all questions honestly and to the best of your knowledge. Though premiums may differ based on medical history of certain individuals, no employee will be declined coverage.

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Individuals

By selecting the proper personal insurance, you can protect your family and your assets.

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Businesses

You’ve worked hard to build your business, and we are here to help you protect your investment.