Cicero Group Health Insurance & Employee Benefit Plans

The United States enacted the Affordable Care Act (ACA), which requires healthcare coverage for all its citizens. It does not enjoy a uniform health system or universal health care coverage. It has a hybrid health care system, with both private players and the federal government contributing. Cicero is an incorporated town in Cook county, Illinois. It has a population of about 84,000. Employers here are faced with the challenge of providing group health insurance to their employees since the government does not provide a nationwide cover.

Group Health Insurance and Employee Benefits

As an employer deciding whether to offer group health insurance is the first step to showing your employees that you care about their well-being, both in and out of the workplace. This gives you a competitive edge enabling you to recruit and retain top talent. Your company’s productivity increases as you will register decreased absenteeism, due to the improved health of your workers.

Depending on the requirements and needs of the company and its employees, different products can be offered; including dental and medical insurance among others.

What to Look for in an Insurance Provider

It’s good to do your homework when choosing an insurance provider, so as to make sure that your company of choice actually addresses your needs. Some of the factors to consider in selecting the best insurer include:

• Reputation – Check the reputation of your preferred health insurance provider before making any commitment. Find out about their relationships with their existing clients and how well they satisfy those clients.
• Geographical accessibility – Check if they have partner hospitals which you can access at any time and if you can use a hospital of your choice.
• Customer care – Make sure they have a contact person who is readily available in case of emergencies.

Benefits of Working with an Insurance Broker

When buying an insurance cover, choosing to work with an insurance broker can be very helpful because:

• Insurance brokers are independent and not tied to a specific company’s products. They therefore work with different companies to find the best deal for the client.
• Insurance brokers are qualified to recommend the best policies for your needs due to their vast experience on a number of products.
• They make work easier for you during claims by answering any questions that you might have and guiding you where you do not understand. Their support is faster and personalized.
• You are assured of protection of your privacy when you work with an insurance broker. They have a Code of Ethics which requires them to keep your discussions and information confidential.