A group health insurance plan helps you and your employees pay for health care expenses. At Saleme Insurance, we can help you decide on a group health plan that offers coverage for you and your employees at an affordable price.
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Going into business can be a bit of a gamble. But, not insuring yourself, your family, or your employees only raises the stakes. The two groups who should be most interested in a group health plan are:
There are two primary categories of health insurance for small business owners and self-employed persons to choose from:
Preferred Provider Organization (PPO) plans are the most popular for individuals and families. It’s your responsibility to make sure that the health care providers you visit participate in the PPO. A PPO plan may be right for you, if:
Health Maintenance Organization (HMO) plans offer health care services through a network of providers who contract exclusively with the HMO or who agree to provide services to members. An HMO plan may be right for you if:
Health Savings Accounts (HSA) eligible plans are usually PPO plans with higher deductibles, designed for use with HSAs. Similar to a flexible spending account (FSA) or 401(k), an HSA is a special bank account, which allows participants to save pre-tax money, specifically for future medical expenses. An HSA-eligible plan may be right for you if:
Indemnity plans allow members to direct their own health, visiting any doctor or hospital they like most. Because of this freedom, Indemnity plans are sometimes more expensive than other types of plans. An Indemnity plan may be right for you, if:
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