Group Medical Insurance for Employees

Tuesday, January 30, 2018 11:29 Posted by Admin

It is a common characteristic of qualified persons seeking employment to look for a job that offers affordable yet flexible group medical insurance to all their full-time employees. This is one of the absolute best and most effective ways to remain a competitive business in your industry and geographical area. The high demand for reasonable health insurance is always a concern for employees and citizens of the U.S. especially with the constant changes made to the health care reform.

Going through a licensed insurance broker with a long and successful history in the industry for your group medical insurance is your wisest option. A broker will negotiate the costs of benefits included in your group plan. They will also work with the leading insurance companies to create one comprehensive group medical plan that obeys all laws including the Affordable Care Act. The group medical plan will include any benefits and coverage that you requested due to your employees’ interests and vocalized requests. Your interest in their well-being will only heighten their concern for the company’s overall success.

How Does the Size of the Business Affect My Benefit Options?

The benefits available for inclusion in your employee medical plan will depend on the group size of your business. The group size is defined by the state yet the ACA also has its own standards set. State group size guidelines must always be met by a business. Nevertheless, a business with 101 or more full-time employees is usually the qualification for a business to be classified as large group. It is the definition of a full-time employee that varies more frequently. For example, the State of California classifies working persons with 40 or more hours of labor for the same company each week and a salary that doubles that of anyone earning minimum wage per hour worked, as a full-time employee. These hardworking employees have earned the privilege and right to quality medical insurance that they can afford.

Some of Benefits Usually Included In a Group Medical Plan

  • Ambulatory Services
  • Emergency Room Visits and Immediate Medical Attention
  • Inpatient Care
  • Mental Health Care and Substance Abuse Treatment
  • Prescription Drug Coverage
  • Maternity and Infant Health Coverage
  • Recovery and Rehabilitation Services
  • Laboratory and Testing Services
  • Pediatric Care
  • Wellness and Preventive Care Services (Screenings, Vaccinations and Other Precautions Taken to Avoid Possible Health Concerns)

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