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1. You can enroll anytime

Not just during open enrollment! At any time of the year these types of ancillary insurances can be obtained. Unlike health insurance, you do not need to have a qualifying life event (marriage, birth of a child, loss of a job, etc.) to get a dental or vision plan. No need to wait. You can get dental or vision insurance today!

2. They can be very affordable

The monthly premiums will depend on the insurance company, your location, and the plan you choose. Although prices vary, dental plans can start as low as $12 a month and up to $50 a month for premium plans. Vision plans are an even better deal starting as low as $10 a month.

3. They are meant to be supplemental

While these plans are not designed to cover 100% of costs, their purpose is to cover a portion of it and help you maintain your regular checkups. Many people get discouraged by this, saying what’s the point if you have out of pocket costs. However, this is the nature of insurance. If you understand how it works, you can use it to your advantage. Find a plan that suits your exact needs, not a one size fits all.

4. Get it while you are healthy

Many people think, I’ll just get dental insurance when I need it. However, most dental plans have something called a waiting or probationary period. This means that you have to wait a set amount of time before your insurance covers any major work. For example, if you discover you need a root canal and obtain dental insurance, you will have to wait a pre determined amount of time before the insurance will cover it. Though this does not pertain to vision insurance, it still makes sense to get it while you’re healthy for prevention.

5. Do the numbers

Calculate the cost. If your premiums are $30 a month, that means your annual costs are $360. If your out of pocket costs are at least $360 a year, then it makes your plan worthwhile. Even after calculating the costs, the best way to make your plan worthwhile is to actually use it! Get your semi-annual or annual checkups. Preventive care is the most affordable option for your pocket and your health.

Click below to set up a virtual appointment with us today to sign up for dental and vision insurance!

Al trabajar con dueños de pequeñas empresas, siempre me hacen esta pregunta. Parece que el dinero siempre es escaso y no quieres gastar dinero que no sea absolutamente necesario o que no causa crecimiento. Sin embargo, ofrecer a los empleados un paquete de beneficios competitivo en realidad podría ser una explosión de crecimiento para su pequeña empresa. Estos paquetes generalmente incluyen planes de retiro, seguro de vida y seguro médico de grupo. En este blog, nos concentramos en el seguro médico. Éstos son algunos de los beneficios:

1. Le ahorra dinero en impuestos

Una de las mejores partes de ofrecer un plan de seguro médico de grupo es que es deducible de impuestos. Eso significa que la cantidad que la empresa contribuye hacia el costo del Seguro del empleado, es deducible de los ingresos de la empresa. Los impuestos siempre pueden complicarse un poco, así que trabaje con su contador o preparador de impuestos para saber cuánto puede ahorrar su empresa. También hay planes disponibles con ahorros de costos directos para usted, el empleador. Un ejemplo es el seguro médico Level Funded. Este es un tipo de plan de salud diseñado para grupos saludables. En el momento de la renovación, permite que una parte de las reclamaciones no utilizadas se devuelva al empleador, según la compañía de seguros.

2. Te da acceso a más médicos y hospitales.

Los planes de salud de grupo le brindan más beneficios por su inversión. Le permite obtener una red más grande por un precio menor. La mayoría de los médicos y hospitales aceptan fácilmente planes de seguro comerciales en lugar de planes del Mercado (ObamaCare). Si usted o sus empleados han utilizado planes del Mercado, sabe que pueden estar limitados en cuanto a la red. La elección de un seguro de salud de grupo puede brindarle a usted y a su equipo más acceso a hospitales y especialistas, incluida un costo reducido para planes auxiliares como los dentales y de la vista.

3. Ayuda a los empleados a mantenerse saludables y productivos

Según los Centros para el Control y la Prevención de Enfermedades, las pérdidas de productividad relacionadas con el ausentismo cuestan a los dueños de empresas $ 225.8 mil millones anuales en los Estados Unidos. ¡Eso equivale a $1,685 por empleado! Mantener a los empleados sanos y brindarles las herramientas para hacerlo aumenta la productividad de su empresa.

4. Atrae y retiene excelentes empleados

Encontrar y retener a grandes empleados a veces parece como encontrar y mantener un unicornio. Sin embargo, hay cosas claves que los grandes empleados buscan en un empleador y un paquete de beneficios es uno de ellos, citando el seguro médico como la parte más importante. Los trabajadores dedicados y calificados generalmente elegirán el trabajo que les brinde un seguro médico en lugar de uno que no lo tiene. Algunos empleados incluso están dispuestos a aceptar un salario reducido a favor de recibir un seguro médico. Para sus empleados actuales, otro puesto con la promesa de beneficios podría ser demasiado tentador para dejarlo pasar. La rotación de empleados es costosa, destruye la moral y una pérdida de tiempo. Deje que un plan de salud grupal atraiga y mantenga a excelentes miembros del equipo.

5. Promueve una cultura laboral saludable

Después de vivir una pandemia, creo que todos los propietarios de pequeñas empresas ven el tema de empleados saludables bajo una luz diferente. Muchos estudios han demostrado que los empleados sanos son más felices, más eficientes y tienen más probabilidades de permanecer en su empresa. Según Allwork, el 45% de los empleados ha considerado dejar un trabajo debido al estrés que ha creado y el 49% no cree que su superior inmediato sepa qué hacer si les hablara sobre un problema de salud mental. La salud mental y la salud física están muy presentes en la mente de muchos empleados. Hay muchos planes de salud grupales que ofrecen opciones de salud mental, incluso consejeria virtual. Además, estos planes ofrecen muchos incentivos saludables, como completar su chequeo médico anual o mantenerse al día con su objetivo diario de caminata. Todo para garantizar que sus empleados estén sanos por dentro y por fuera.

6. ¡Es más fácil de conseguir de lo que crees!

Trabajar con un agente de salud es fácil y le ahorra un tiempo precioso para que pueda continuar desarrollando y escalando su negocio. Haga clic en el enlace a continuación para programar una reunión virtual con nosotros para que podamos ayudarlo a hacer crecer su negocio con un paquete de beneficios.

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Working with small business owners, I get asked this question a lot. It seems like money is always tight and you don’t want to spend any money that’s not absolutely necessary or that doesn’t lead to growth. However, offering employees a competitive benefits package could actually be a growth explosion for your small business! These packages usually include retirement plans, life insurance, and group health insurance. I’d like to focus on group health insurance for this blog. Here are some of the benefits:

1. Saves you money on Taxes

One of the best parts about offering a group health insurance plan is that it’s tax deductible! That means the amount the business contributes towards their employees’ share of the cost lowers your company’s tax liability and its taxable income. Taxes can always get a little complicated, so work with your accountant or tax preparer to know just how much your company can save. Additionally, there are plans available with direct cost savings for you, the employer. One example is level funded health insurance plan. This is a type of health plan designed for groups that are healthy. At the time of renewal, it allows a portion of the unused claims to be returned to the employer depending on the carrier.

2. Gives you access to more doctors and hospitals

Group health plans give you more bang for your buck. It allows you to get a bigger network for a lower price. Most doctors and facilities readily take commercial insurance plans versus Marketplace (ObamaCare) plans. If you or your employees have used Marketplace plans, you know they can be limited as far as network. Choosing a group health insurance will give you and your team more access to hospitals and specialists, including a reduced rate for ancillary plans such as dental and vision.

3. Helps employees remain healthy and productive

According to The Centers for Disease Control and Prevention, productivity losses linked to absenteeism cost employers $225.8 billion annually in the United States. That equals to $1,685 per employee! Keeping employees healthy and giving them the tools to do so, increases your company’s productivity.

4. Attracts and keeps great employees

Finding and retaining great employees at times seems like finding and keeping a unicorn. However, there are key things great employees look for in an employer. A benefits package is one of them, citing health insurance as the most important benefit they’re searching for. Dedicated and qualified workers will usually choose the job that provides them health insurance over one that does not. Some employees are even willing to take a reduced salary in lieu of receiving health insurance. For your current employees, another position with the promise of benefits could be too tempting to pass up. Employee turnover is costly, a morale buster, and a downright time waster. Let a group health plan attract and keep great team members.

5. Promotes a healthy work culture

After living through a pandemic, all small business owners are viewing the topic of a healthy workforce in a different light. Many studies have shown that healthy employees are happier, increase your company’s productivity, and are more likely to remain at your business. According to Allwork, 45% of employees have considered leaving a job due to stress it has created and 49% do not think their manager would know what to do if they talked to them about a mental health issue. Mental health as well as physical health is at the forefront of many employees’ minds. There are many group health plans that offer mental health options, even virtual counseling. In addition, these plans offer many healthy incentives such as completing your annual wellness check up or keeping up with your daily walking goal. All this to ensure your employees are healthy inside and out.

6. It’s easier to get than you think!

Working with a health broker is easy and saves you precious time so you can continue to build and scale your business. Click the link below to schedule a virtual meeting with us so we can help you grow your business with a benefits package!

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