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Group Insurance

If you run a small business, you may wish to offer your employees group health insurance. It’s an excellent, attractive offering that has short- and long-term benefits for your workers. Group insurance allows employees to get medical, dental and perhaps vision insurance for a lower cost than they would find individually. With group insurance offerings, your company can better compete to hire the best potential employees.

There are two types of small group insurance: Preferred Provider Organizations (PPO) and Health Maintenance Organizations (HMO). With PPO insurance, those enrolled pay a deductible but may see any doctor they wish within in a specific network. Participants do not need referrals for diagnostic appointments or to see specialists. If they see a medical professional out of their specified network, they pay higher fees and make a claim for the difference later. HMOs restrict whom a patient may see and what services they may get. Any treatment must be provided by a medical profession within the network. The primary doctor manages the patient and makes referrals when needed.

Before choosing a plan, find out as much as you can about each. Decide what suits your business environment and workers best.

Posted on Thursday, January 30th, 2014. Filed under Group Insurance.

Don’t Delay Life Insurance Decisions

No one likes talking about life insurance. Death and dying can be frightening, upsetting topics to you and your family. But you must conquer that fear if you want to protect your loved ones in the (ultimately inevitable) event of your death. The problem doesn’t go away if you avoid talking about it. Life insurance ensures that you can leave your family a stream of income if something happens to you. Avoidance is not worth the risk to your family’s long-term wellbeing.

Your family is important to you. You work hard to provide them with what they need. If you are not there, how would your family carry on without any financial support? Life insurance provides security and support for your family’s care when you are gone. Don’t delay the decision. Others are depending on you to make the responsible one.

Posted on Sunday, January 19th, 2014. Filed under Life Insurance.