INSURANCE OPTIONS

Insurance helps companies find and keep employees

Recent surveys of small businesses have found that having a health insurance benefit helps with recruitment and retention of employees. Employees who have health insurance are also more likely to go to the doctor and thus, tend to be healthier. This in turn reduces absenteeism and workers' compensation claims and increases overall productivity.

Insurance is affordable
Employers do not have to pay 100% of the premium. They can set a budget and allow their employees to choose a plan based on their individual needs. Employers can also contribute different amounts based on employee classes (managerial vs. non-managerial) or based on time employed with the company. Employers may find that offering health insurance can actually cut payroll taxes and increase their employees' take-home pay.

Offer High Deductible Plans to lower premiums for existing groups

Most plans include:
	Affordable monthly costs
	Access to an extensive provider network
	Preventive care with a co-payment before the deductible is met
	You do not qualify for no-cost Medi-Cal
	A calendar-year deductible that accumulates toward the calendar year out-of-pocket maximum

Please e-mail Lauryn Pillsbury a census which includes the following:
Name of business and zip code
Employee Name
Employee age or date of birth
Include dependents -
(indicate EE for single, ES for employee and spouse, EC for employee and children, EF for employee and family)

Insurance helps companies find and keep employees
Dental coverage is one of the most requested employee benefits, so offering dental coverage can help increase employee satisfaction and retention. Regular dental care is an important part of maintaining good overall health and helps ensure that minor conditions are diagnosed before becoming serious and costly. Depending on the carrier, the employer contribution can be as little as 50% or $15 per month per employee.

Companies may even choose to offer dental insurance to their employees at no cost to the employer (voluntary dental). There are several inexpensive plans to choose from that allow employees to go to the dentist of their choice. You only need two participants or 25% of your full-time employees to participate. This is a great way to allow your employees access to dental insurance at a lower-cost group rate.

For more information about dental insurance, please e-mail our group administrator, Lauryn Pillsbury.