Choosing your business’ first health plan is a huge
accomplishment. It means your company’s growing. It’s seen success. But more
importantly, it means you can now offer the employees who’ve helped you succeed
a plan that protects their health.
You want a plan that offers the right coverage at the right
price for your business. Even if this isn’t your first time selecting a
health plan, these tips will help.
Partner with a trusted
Navigating different health plans
and their separate offerings is an insurance agent’s job. Agents often sell
plans from many health insurance companies. A trusted agent will represent your
best interest, save you time, and help you save money by making sure your
company has a plan tailored to its needs. Premera works with a variety of
insurance agencies as well as employing its own agents to make sure businesses have a range of options.
Does your business have at least 2 full-time employees and need a health plan? Sign up to get a free quote from a Premera account manager. Get a Free Quote
Understand the tax benefits
Offering health coverage to your
employees reduces your taxable income because it excludes premiums for
employer-offered coverage. That’s money back into your pocket. Did you know if
you employ 25 or fewer employees, you also might be eligible to receive
a healthcare tax credit?
Also, offering your employees a health savings account (HSA) that
you contribute to has many savings benefits. You can write off your
contributions as business deductions. Your employees’ contributions are pre-tax
expenses, which reduces their taxable income. Employees who manage their own healthcare
costs through HSAs are smarter healthcare consumers, saving you both more in
the long run. Premera offers several plans to businesses that include
HSAs, along with high-deductible health plans, to give you this flexibility.
Get additional benefits
Covering your employees’ healthcare
is huge, but what about other benefits? Wellness programs make up another big
part of the health puzzle. Good health extends far beyond healthcare. Give your
employees access to programs that will help them stay healthy, avoid costly
medical expenses, and also help foster a productive work environment. Premera
offers a wellness program at no additional cost. It gives your employees access
to online health assessments, wellness resources, and rewards for staying healthy.
Other important benefits your
health plan should offer:
- 24-hour care: Your employees should have access
to care whenever it’s needed. For example, Premera plans include a 24-Hour
NurseLine that provides help to our customers from registered nurses.
- Virtual care: Telemedicine is growing in
popularity. Visiting a doctor over the phone or online can be huge in a pinch.
Premera partners with Teladoc on employer health plans to make sure
your employees have access to a variety of care options available anytime.
care: Did you know dental health is connected to overall health? Getting a
health plan that’s integrated with a dental plan can save both time and money. Conveniently
manage both at the same time: 1 card, 1 bill, 1 customer service team.