health care insurance for small business
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The Best Medical Health Insurance Plans
Do you work for a small business? If you are looking for small business employee health insurance, you have come to the right place. Health Server Solutions offers the best medical health insurance plans. HSS will work with you to help find a plan that best fits your needs. Our small business employee health insurance has the option to compare ACA plans, share programs, short-term, discount and even medically underwritten plans that are not available online. Our goal is to help you find the best medical health insurance plans.
Our small business health insurance has medically underwritten plans. Medical underwriting is done so you know how much money you are paying out of pocket. Certain plans have limits or exclusions and if your plan does, the underwriter will notify you.
There are options for small business employee health insurance for example, short and long term plans. When deciding which plan to go with, you should ask yourself three questions. One, Do you have any current health issues? Two, What is my living situation and am I planning to be here in the long run? Three, Do I have a stable job?
Short-term insurance is low coverage and low cost, the maximum length is typically 12 months, and it can be renewed twice, giving you three years on the plan. This is a great option if you are looking for less expensive route. One thing to consider is that it is oftentimes low-coverage.
Long-term insurance plans are typically month to month and can be continuous until you are 65 years old depending on the policy. These are best for healthier families and individuals who want a locked in rate for a long-term period.
The Affordable Care Act (ACA) is another option for small business health insurance. This health care insurance for small business plan will cover any pre-existing conditions and cover basic health concerns.
If you are looking for a zero-deductible plan it means you’ll receive first-dollar benefits without having to satisfy a calendar-year deductible. It has lower monthly costs and can be tax deductible for self-employed clients.
If you like options when it comes to inside and outside of your network, a great option is a Preferred Provider Organization (PPO). You will be able to visit any doctor with a referral from your primary care provider.
With a low max-out-of-pocket plan, you can expect to pay copays, deductibles and coinsurance. This means that you are spending less money. If you have recently been in an accident or want to avoid high medical expenses, this is the kind of plan that you want.
Month-to-month policies are similar to short term insurance whereas they are non-contractual. They can be used for pre-existing health conditions but may be limited based on the condition. Health Server Solution’s agents will happily show you suitable plans for pre-existing conditions. Also, it is pay as you go, which may make it easier on your budget.
If you are the type of person who doesn’t like to have an obligation, no contract health insurance is for you. If you choose that you do not like your provider, you can leave and find a new one whenever you would like:
Small Business Health Insurance
- Medically underwritten
- Zero deductible plans,
- PPO Options
- Low Max out-of-pocket
- No Contracts