{"id":5275,"date":"2018-05-29T15:32:12","date_gmt":"2018-05-29T07:32:12","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=5275"},"modified":"2024-10-03T11:04:37","modified_gmt":"2024-10-03T03:04:37","slug":"healthcare-for-small-businesses","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/healthcare-for-small-businesses.html","title":{"rendered":"Questions you should ask when weighing up healthcare for small businesses"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Earlier this month, we examined <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/small-business-employee-benefits.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">employee benefits for small businesses<\/span><\/a><span style=\"font-weight: 400;\">, and why companies might want to offer such perks to their staff. Some do it for talent acquisition purposes; others to reward and support loyal, hardworking staff. Whatever the reasons, securing healthcare for small businesses can seem like a huge task. Asking these key questions of your business can help put you in the best position when you\u2019re just starting out.<\/span><\/p>\n<p>Check out our quick video on choosing the right health insurance plan.<\/p>\n<p><iframe loading=\"lazy\" title=\"How to choose a health insurance plan\" width=\"700\" height=\"394\" src=\"https:\/\/www.youtube.com\/embed\/_xhdgfKvxUk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-4' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4629\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Corporate.jpg\" alt=\"Corporate insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What coverage will you offer?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance policies come in a range of different shapes and sizes, and healthcare for small businesses can be extremely flexible in order to meet the needs of both your company and its staff. Basic plans will offer essential cover for inpatient care (hospitalization), but you can expand the benefits to include outpatient care, vision and dental, and even mental health. What you offer will depend largely on your budget and goals. Being clear about these before you source a plan can make the process much, much easier. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What will be most relevant to your staff?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Getting the best fit isn\u2019t just about finding the right plan; it\u2019s about knowing the needs of the people the plan will serve. Are they generally fit and healthy people? Perhaps a less comprehensive plan with lower premiums and higher copays might be more appropriate. Do your people have a hugely diverse set of needs? Maybe a middle-of-the-road plan would be best for supporting as many people as possible. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much choice will you offer with your benefits?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are two parts to this: The first is in the form of a \u201cprovider network\u201d in which insurers only approve medical care and treatment from particular doctors and facilities in order to save money and streamline claims processing. Health insurance plans for small businesses that feature provider networks are generally less expensive than those without, but will certainly restrict the number of care providers that your staff can use. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The second part relates to the flexibility of your employee benefits, and the types of extended perks you might offer. This may be in the form of optional vaccinations and health check ups, gym memberships, or other wellness options that staff can choose to take up if they want to. For some demographics, particularly younger ones, having a choice in benefits can hugely support satisfaction levels with the plan and your company. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What will the cost share for care be?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">What\u2019s often not commonly understood about healthcare for small businesses is that the company generally pays for all of the medical treatments staff receive via the premium paid. Where claims amount to more than the premium, such as when a significant treatment is paid out or staff benefit usage is high, insurers may then seek to raise the cost of the premium at renewal time. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">One way to mitigate this can be to introduce co-pays on common or high-cost benefits &#8211; effectively asking your employees to help share the cost of their care. This is commonplace for many insurance plans, and a good way to keep healthcare for small businesses sustainable in the long run. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Which insurers and employee benefits providers do I trust?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The benefits market is full of options when it comes to providers, but it can be difficult to know which ones offer the sort of service and support you need. Many globally recognized names, like Bupa or Cigna, can be a safe and easy choice, but more local providers can require a bit more in-depth knowledge to trust. To get the information you want on such companies, reaching out to people and businesses you know, or enlisting the help of an experienced broker, can ensure that you\u2019re not giving money to a company that will under-deliver. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What else do I need to be aware of as I look for healthcare for small businesses?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Once you have an idea of what sort of small business medical insurance plan you need, the next step is finding it. Here are some ways to source healthcare for small businesses that are common around the world: <\/span><\/p>\n<ul>\n<li><b>Go direct:<span style=\"font-weight: 400;\"> Search for a list of healthcare and employee benefits providers in your region, and reach out to them directly. Going direct isn\u2019t necessarily cheaper, and it doesn\u2019t always mean less work, but for some small businesses this can be a preferred way of starting out with employee benefits. <\/span><\/b><\/li>\n<li><strong>Engage an agent:<\/strong><span style=\"font-weight: 400;\"> An agent is a separate entity from an insurer that is contracted to sell specific plans. They can offer a range of added support services related to the maintenance of your insurance plan, however it\u2019s worth remembering that their relationship with their contracted insurer may be their top priority. <\/span><\/li>\n<li><strong>Work with a broker:<\/strong><span style=\"font-weight: 400;\"> An independent intermediary can offer added support services (such as claims processing, plan analysis, and renewal assistance), but their biggest advantage is that they\u2019re not beholden to any single insurer; they source and sell plans from whoever fits their clients\u2019 needs best. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In addition to working out where to source your plan from, you\u2019ll need to make sure you\u2019re prepared with all relevant information when it comes to quotes and pricing. A key piece of information all intermediaries and insurers will need is accurate employee census data so your premium can be worked out appropriately. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Getting the best support for your small business medical insurance plan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The employee benefits market does what it can to ensure that businesses who wish to secure insurance alone can do so. The best option by far, however, is to engage the services of a reputable broker who can take you through all of these steps and ensure that your small business gets the best options available to it. At Pacific Prime, our consultants are employee benefits specialists with a long track record of delivering award-winning service to our clients. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">To find out more about what we can do for your company, check out our <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Corporate website<\/span><\/a><span style=\"font-weight: 400;\"> or contact our team to <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">arrange a meeting<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-8' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4627\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PPCOM-B_Bus_01.jpg\" alt=\"Business insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Earlier this month, we examined employee benefits for small businesses, and why companies might want to offer such perks to their staff. Some do it for talent acquisition purposes; others to reward and support loyal, hardworking staff. Whatever the reasons, securing healthcare for small businesses can seem like a huge task. Asking these key questions &#8230;<\/p>\n","protected":false},"author":36,"featured_media":5276,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1711],"tags":[1735,1446,1445,1793,1544,73,1564,1796,1795],"class_list":["post-5275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-benefits","tag-ban_cor","tag-business-insurance","tag-company-insurance","tag-cta_eb","tag-employee-benefits","tag-health-insurance","tag-hr-tips","tag-small-business-benefits","tag-small-business-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Healthcare for small businesses: what do you need to know?<\/title>\n<meta name=\"description\" content=\"Looking for healthcare for small businesses doesn&#039;t have to be difficult. 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