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What is a Group health insurance plan?
A Nevada Group health insurance Plan is a employer-sponsored health coverage plan for business owners, employees and dependents of those employees. A small group plan consists of a company that has between 2 - 50 employees. Companies that sell group insurance and small business plans in Nevada are, Anthem blue cross blue shield, HPN Health plan of Nevada, Sierra health and life, United Health Care, Humana, Aetna, and Coventry one.
3 tips and advice from an insurance agent for purchasing group insurance in Nevada
Offering group health insurance in Nevada for your employees, can help you hire new talent and retain the top workers for your company. Many companies tend to cut back on health insurance costs and deductibles. Most of the time when employers do this they will pay for it later at some point. Not only with a price increase for the group plan year in and year out, but they get an upset employee. Our first tip is to increase coverage on preventative plans. Offer your employees a comprehensive preventative program. You could provide gym memberships for the family, replace soda with juice in vending machines. It all starts with preventative programs. If you don't have a major medical preventative program in place your costs for health insurance will go up each year. Regardless of how much you put your deductible at and or how much you reduce benefits.
Employers can control their health care costs by actively taking a part in their staff and their families personal health. If the employer implements a wellness program not only for the employee but the entire family you will see costs for your own small group insurance plan go down. By keeping your staff healthy you will also gain productivity from your employees and have more happy people. Stress levels will go down among employees and you will have a company that people love to work for. Offering these type of programs is vital in retaining the best employees.
Searching for a group health insurance plan in Nevada can be a big time strain. The main companies that sell group insurance plans in Nevada are, Anthem Blue cross, Hpn-Health plan of nevada, sierra health and life, Humana, unitedhealthcare and conventry. First question to ask is, which plan is best for our employees? You will want to get with your employees and see which plan they prefer the best. You want to keep happy employees. Most insurance plan rates come back with in 25% of each other depending on coverage levels and the choice of networks. Do a survey with your employees and see which plan they favor out of these 5. Picking the wrong company for your employees is not good, especially when a families doctor or specialist has been taking away from them. Imagine going to a specialist for 4 years and then having your company telling you that you no longer can see them. Most people will just leave the company. Imagine if this was your top sales rep for the company. This leads to high turnover and a loss of income for you. Just don't look at the insurance rates only look at the whole picture.
If you can't follow the above 3 you should except your health premiums and staff to worsen each year. Bad health coverage and no wellness or preventative program equals a disaster you the owner and your employees.
So the long term plan and our advice is to 1. implement a major preventative program. 2. Implement a wellness program and 3. Ask the employees which plan they desire. In the short run you will pay a little bit more for health insurance, but in the long run your health insurance claims will go down and you will have a staff of people that are more happy, take less sick days and improve themselves at work. When you have happy employees, your company will benefit from increased sales and or better customer service. These are the type of things that you will not see on a health insurance bill but will notice at your company and overall sales growth. Can't put a price on that. To start your quote go to Nevadahealth.com or click the button to the right.
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