Patient Access.org » Small Business Health Insurance

New health insurance plan for small business with the state.?

admin — Sun, 11 Apr 2010 20:28:30 +0000

State of TN helps small businesses with health insurance plans for employees. The employer pays 1/3, state pays 1/3, employee pays rest.

What is the question?

I assume that you’re asking "which plan is best?" Or are you asking how to do it?

When you go into business, a good insurance agent (perhaps one for each specialty) is invaluable. The best news is that you don’t pay them until you buy from them!!! If you don’t view your agent(s) as part of your "team" then you’re missing a huge source of good info (or don’t trust the agent, which is your clue to fire them).

There is no free lunch… the more you want, the more it costs. I’d personally investigate self-insurance the little stuff, then offering a major medical plan w/ a high dedictible for the big stuff. That’s what I do (lesser plan, bigger out of pocket, for cost savings).

The only difference between companies is basically the level of service. Some companies are really horrible at claims, plan changes, premium collection, etc.

Finally, health insurance varies widely (and wildly!) from state to state. Be thankful you don’t live in New Jersey….. So, any specific advice you might get here will need to be specific to TN.

Good luck y’all….

Small business wary on health care bill

admin — Sat, 10 Apr 2010 22:17:59 +0000

Approximately 4 million small businesses stand to gain from the newly passed health care legislation, but the benefits may not be substantial. We sit down with local small-business owners to get their perspective on how the bill will affect their companies.

Duration : 0:3:38

Technorati Tags: Chicago Business Today, crain's chicago business, health benefits, Health Care, health care bill, health care costs, health insurance, health-care reform, healthcare, Nexum, Obamacare, Quality Float Works, small business health care

Does anyone from NYS know about goverment subsidized health insurance for small business’?

admin — Fri, 09 Apr 2010 23:42:03 +0000

I’ve heard the state will pay a portion of insurance if enrolled! Looking for a great health insurance for employees of a small business.Help

Since small businesses find it hard to offer expensive health insurances, there are alternative options available like Medical Tourism to countries that offer low cost but high quality medical services. People with the need for elective surgery can travel to such a hospital in India or Thailand. Check out sites like http://www.MedicalExcursions.com or http://MyMedicalExcursions.com

Why does health insurance for small business cost more than for large busines?

admin — Wed, 07 Apr 2010 21:20:58 +0000

The risk is the same for the individual whether they work for a small company or a large company. So why should a small business have to pay more per employee?

Numbers………….unless they have a HUGE group of like business’s like the Unions, they cannot get the reduced rates.

100 Small Business Owners Discuss Health Care Reform

admin — Wed, 07 Apr 2010 20:34:02 +0000

With recent studies showing small businesses’ premiums rising by 15% in 2010, it is crucial that we work to ensure affordable health insurance coverage for this critical part of the American workforce. Democratic Senators Tom Harkin and Mary Landrieu held an event Tuesday with small business owners to address the health care challenges they face. The high cost of coverage damages small business owners’ ability to create new jobs and retain skilled employees. “The status quo in health insurance spending for America’s small businesses is intolerable and it is unsustainable,” said Harkin. “Today, we have a simple message for small business owners across America: help is on the way and it comes in the form of a health reform plan that puts a stop to the discriminatory insurance industry practice of jacking up premiums for small businesses by up to 200 percent when an employee gets sick or because the business hires a woman.”

Duration : 0:4:8

Technorati Tags: business, Democrats, entrepreneur, health, healthcare, insurance, reform, senate, small

Health Insurance for Small Business Owner?

admin — Mon, 05 Apr 2010 20:24:04 +0000

Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He’d like to get good health insurance for the two of us but what I’ve looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don’t know how though). Any ideas? Thanks in advance.

~~There may be better tax advantages by incorporating but it will not affect your premiums. I don’t know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206.

We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available.

Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn’t through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance.

She’ll do whatever she can to get you great insurance. We’ve used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~

Small Business Owners Confront Health Insurance Trade Group – Chicago

admin — Sun, 04 Apr 2010 21:23:01 +0000

Chicago – 11/17/2009 – Today hundreds of people rallied to demand reform and support business owners whose livelihoods have been put at risk by insurance companies hiking health care costs and limiting coverage. The business owners sent a message to fellow Americans and Congress:
IF INSURANCE COMPANIES WIN, OUR ECONOMY LOSES

Duration : 0:3:7

Technorati Tags: AHIP, blue cross blue shield, cigna, Citizen Action, HCAN, health-care reform, Small Business, wendell potter

Where do I get health insurance for my small business?

admin — Sat, 03 Apr 2010 20:12:03 +0000

I only have 6 employees (including myself) right now. I wanted insurance for myself because as I get older, my body isn’t getting stronger. But now I’ve had a wide variety of health problems with my employees, and on some days I simply can’t afford to be without them. Any advice from a small business owner with health insurance would help.

Well you can get small business health insurance from a wide variety of insurance companies. All you have to do is shop around. I think you meant where is the best place to get health insurance, and there is really no best answer. I recommend http://www.esmallbusinesshealthinsurance.com It is a website dedicated to, of course, small business health insurance. You can compare plans and rates directly from the company side by side. And with some of the companies, they offer customizable plans. Your best bet is to talk with an agent and see what can work for you.

Sen. Ben Cardin Contradicts Himself on Small Business Health Insurance Relief

admin — Thu, 01 Apr 2010 18:31:02 +0000

US Sen. Ben Cardin (D-MD), filmed at an event in Salisbury, MD (that was specifically NOT) a Townhall meeting. In it, he discusses the problems facing small businesses seeking to get health insurance for their employees, but then contradicts himself when confronted with his record of opposing the very reforms that would have solved the problems that he laid out.

Duration : 0:5:29

Technorati Tags: business, Cardin, care, Democrat, entrepreneurship, health, insurance, liberty, Obama, Obamacare, party, reform, small, tea, teaparty, Townhall

I need small business health insurance. What are some good options for a 2-5 employee company?

admin — Thu, 01 Apr 2010 18:24:04 +0000

You will pay through the nose for any. Try Blue Cross.