لماذا ذبح سليمان الأحصنة المجنحة الصافنات الجياد:قصة الأحصنة المجنحة مع سيدنا سليمان من السنه

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If you run a small business, you may be concerned about finding health insurance options either for yourself (if you do not have any employees) or for your small workforce. Fortunately, there are several different options available. In this article, we will explore health insurance for those who are self-employed on their own, and for those who are seeking small business health insurance plans for a workforce of two to 50 employees.  

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If you are self-employed without any employees, you’re probably busy enough as it is without worrying about your health insurance options. The good news is that the Affordable Care Act now allows a self-employed health insurance deduction for 100% of their health insurance premium. You can search the Health Insurance Marketplace for plans that will fit your healthcare needs and budget. If you’ve missed the ACA open enrollment period to apply for health insurance, you can also consider a short-term health insurance plan to cover your health expenses until the open enrollment opens again. You can also check and see if you qualify for Medicaid healthcare coverage, or even elect to self-fund your health insurance. Many insurers now offer self-insured employee healthcare. Because you are only insuring yourself, you have some flexibility in choosing the best plan for your needs.
If you have at least two employees but less than 50, then things get a bit more complicated. You should start looking into small business health insurance plans to figure out how to best cover your employees. Read on for our picks of the best health insurance providers for small business owners. 

01

 Best for Online Care: UnitedHealthCare

UnitedHealthCare if a part of UnitedHealth Group and is the largest single health insurer in the United States and is rated “A (Excellent)" by A.M. Best. UnitedHealthCare offers health insurance plans to small business owners with two to 50 employees. One great feature that both employers and employees will love is the “virtual visits” option, which allows access to online care 24/7. You can talk to a doctor from your mobile device or computer without an appointment and can even get a prescription to pick up at your local pharmacies. There is also a health discount program that allows you to save up to 50% on select health and wellness services like cosmetic dental care, laser eye surgery, acupuncture, massage therapy, infertility, hearing devices and more.  Some of the most popular UnitedHealthCare small business health insurance plans are UnitedHealthcare Choice, UnitedHealthcare Choice Plus, and UnitedHealthcare Options PPO.

The UnitedHealthcare Choice is an open-access medical plan, meaning you can see any doctor or healthcare facility of your choosing.  This health plan is open to employers from 2 employees to over 5,000 employees. Features of the plan include fixed dollar copayments, coinsurance options and lower out-of-pocket costs for care from in-network doctors and clinics.

UnitedHealthcare Choice Plus offers the same benefits as UnitedHealthcare Choice but with added coverage for out-of-network doctors. For the added coverage, there is a higher coinsurance payment along with a higher deductible.

Finally, the UnitedHealthcare Options PPO plan offers substantial discounts to employees who use in-network care. However, you can use any doctor of your choice without a referral. Members must obtain approvals for both in- and out-of-network services. When using an out-of-network doctor, copayments and deductibles may be higher.

You can receive UnitedHealthcare small business healthcare plan specifics for your state here.

02

 Best for Tax Savings: Humana

Humana offers small business health insurance to employers with two to 50 employees. Plans and options vary by state, so be sure to check restrictions for your area.

The Humana Simplicity plan provides in-network preventive care and allows employees to set their own copay amounts for services. After the out-of-pocket expense is met, the plan pays 100% for covered services.  The plan also includes wellness incentives.

The Level Funded Premium plan is for employers with 10 or more employees. This is a flexible self-funding plan with comprehensive medical and pharmacy plans and includes wellness programs. Premium tax savings are possible through this plan along with a refund for any claims surplus.

The Self-Funded Plans allow employers to have predictable costs and administrative help for their plans. You can cover your premium with one monthly payment. The self-funded plans typically offer lower premium payments for employees.

The High Deductible Health Plans through Humana allow employers to offer low premiums to employees by having a higher deductible which covers both medical and prescription drug costs. Annual in-network exams are covered 100% and the plans can also be paired with health savings accounts.

Humana Copay Plans allow employees to pay a flat fee for services and offer lower costs for care provided by in-network healthcare doctors and facilities. Coverage is provided through this plan for annual in-network exams which are paid 100%.

The Coinsurance Plans offer 100% coverage for preventive exams and services and discounted rates for other services through in-network providers. The prices for services are negotiated through Humana and employees pay a percentage of the negotiated price.

03

 Best for  Large Provider Network: BlueCross/BlueShield

The Blue Cross Association not only operates in the United States but also in more than 170 countries worldwide. In all, more than 99 million Americans are covered by a Blue Cross policy. There are 39 separate Blue Cross organizations throughout the U.S. and most of these companies have a financial strength rating of “A+ (Excellent)."

BlueCross/Blue Shield offers small business health insurance plans for employers with 50 employees or less. BlueCross/BlueShield has one of the largest preferred healthcare provider networks in the nation, making it easier for employees to see an in-network doctor or healthcare facility and receive the preferred provider discount. BlueCross/BlueShield also offers many wellness incentives including Blue365 which offers discounts on health and wellness products and services, and WalkingWorks, a physical fitness and training program to help keep employees active and healthy.

Most states offer some form of Blue Cross small business health insurance plan for employers with two to 50 employees. Pharmacy networks are included in the plan options. There are over 30 plan options with different deductibles, out-of-pocket expense, coinsurance, copayment and preferred provider options. Here is a sample plan brochure for the state of Texas. Coverage options and plans will vary based on state.

The plan features virtual visits, a preferred pharmacy network, and prescription programs on payment level tiers. Prescription drugs on the lower level tiers will cost less so there will be less out-of-pocket pharmacy expenses for the employee.

Source : thebalancesmb

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