Small Business & Employer Solutions
Affordable Care Act and SHOP:
For employers with less than 25 employees take a look at the Tax Credits and the subsidies for medical insurance coverage starting January 2014. SHOP: Small Business Health Option Program offers Kaiser, Blue Shield, Health Net, SHARP, Western Health Advantage and other carriers depending on your business location in California.
Look for new plan designs which include the Essential Benefits and pediatric dental and vision. Plans designs will correspond to Bronze, Silver, Gold and Platinum criteria.
Make the Right Decision Today:
The value of having reliable health coverage shouldn’t be underestimated. There are multiple health insurance carriers that can be trusted, and provided affordable, flexible and dependable coverage.
Why Purchase Health Coverage?
Offering health coverage to your employees can help you recruit and retain the quality workers who can help make your business a success. In a recent survey, a group of small employers gave the following reasons for offering health benefits to their workers.
• 80 percent report that it helps with recruitment and retention
• 70 percent report that it increases productivity by keeping employees healthy
• 68 percent report that it reduces absenteeism by keeping works healthy
And…because health insurance premiums are treated as a general business expense, they may be 100 percent tax-deductible. 2 It really is a win-win situation: You can offer your employees the health coverage they deserve while creating a tax advantage for your business.
Services Covered Under Most Plans:
Doctor's visits | Preventive Care | Hospitalization | Surgery | Physical Therapy
Occupational Therapy | Emergency Room | Home Health Care | Maternity
Family Planning | Respiratory Therapy | Prescriptions | Skilled Nursing Facility
Chemotherapy | Rehabilitation | Diabetes Care | Mental Health
X-rays | Laboratory | Durable Medical Equipment | Ambulance
Out-patient SurgeryServices | Behavorial Health Services | Out-of-State Services
Wellness Programs can be added: Chiropractic Services, Acupuncture, Massage Therapy
Ancillary Programs: Dental, Life, Vision, Short Term Disability, Long Term Disability, Long-term Care, Premium Only Plans, Flexible Spending Accounts, Dependent Care Accounts, Health Savings Accounts, Voluntary Cafeteria Plans (ex. Accident, Cancer Illness. Life)
