At Nieroda Insurance Agency in Saint Charles, MO, we know that being a business owner can be confusing and complicated at times. Sometimes it's hard to know whether you are coming or going, especially when it comes to health insurance and whether you need to provide it to your employees. While business owners in Missouri are not required to offer health insurance to their employees, it's important to note that providing health insurance to your employees is a powerful motivator for them to come to work for you! With that in mind, read on below for a few kinds of health insurance that best suit your business.
Managed Care Plans
Whether they are HMO's or PPO's, a recent survey showed that over 90 percent of small businesses with a health care plan in place had a managed care plan. The plan offers a list of providers that your employees can use for their medical needs.
Surgical/Hospital Plans
These types of plans don't cover comprehensive or major medical. However, they do cover hospitalization and surgery. They don't cover things such as prescriptions, doctor's visits, or the other little things most employees would need them for.
How to Shop Around
Now that you know a couple of the plans that you might want to carry for your employees, here are a few tips to help you shop around for the right employee health insurance plan for your business.
Shop Around
Make sure that you shop around and find the best policy for you through the best insurance company. You want to get the best deal if at all possible. You also want to ask upfront about premium costs increases over the next five years.
This is just a little of what you need to know about health insurance for your employees. Contact us at Nieroda Insurance Agency in Saint Charles, Missouri for help with all your health insurance needs.
