Kansas City Group Health Insurance & Employee Benefit Plans

Kansas City MO Large Group Health Insurance Plans

Large companies in Kansas City, Missouri must provide health insurance coverage to their workers because of the Affordable Care Act. The Affordable Care Act covers businesses with fifty or more employees in the “large” category, which means they are subject to the requirement. The ACA stipulates standards for the policies they can offer, including coverage of essential benefits and affordability for subscribers. The benefits that every insurance plan must incorporate are:

  1. Ambulatory patient services (outpatient care)
  2. Emergency services
  3. Hospitalization, including surgical and medical
  4. Maternity and newborn care, including delivery
  5. Mental health and substance use disorder services
  6. Prescription drugs
  7. Rehabilitative services and devices
  8. Laboratory services
  9. Preventative and wellness services, including chronic disease management
  10. Pediatric services, including dental and vision care for children under the age of 19

The ACA gives all health insurance plans a metal tier ranking that helps customers understand the value. For example, a bronze plan has the least expensive premiums but provides the lowest coverage. In contrast, a silver tier plan will cost more and cover more. However, even a bronze-level policy must cover sixty percent of the anticipated expenses for a typical subscriber.

Kansas City MO Small Business Health Insurance Plans

Small companies are less likely than larger ones to offer health care coverage for their workers, and the ACA did not include companies with fewer than fifty workers in its employer mandate. Still, those companies that have insurance programs often contribute more of the premium. Thirty percent of workers in small firms pay nothing toward the cost of insurance, compared to five percent for larger ones. While companies with fewer than fifty workers do not need to offer health insurance, if they choose to do so, the coverage must comply with the minimum essential requirements as established.

Kansas City MO Employee Benefit Plans and Employee Benefit Packages

Companies that want to enhance their benefits package and still stay on budget may wish to investigate low-cost ways to stand out. One way is to add “voluntary benefits.” These optional programs provide discounts and money-saving offers for workers. The employer often contributes little or nothing toward the benefits but facilitates their availability for employees. The employee gains value due to the size of the potential pool of participants.

Voluntary benefits may include vision coverage, legal plans, pet insurance, long-term disability, long-term care, and discounts for other services like communications, recreation, and fitness centers. Sometimes employees can pay for these with pre-tax income, while in other cases, the employer might offer a payroll deduction for convenience.

Kansas City Group Health Insurance & Employee Benefit Plans

If you want the best healthcare insurance possible in Kansas City (Missouri), you need to visit an independent agency like Taylor Benefits Insurance. Independent agencies are not in competition with insurance providers, nor are our plans in competition with plans on the state or federal exchanges. Our plans are custom-designed for our clients. Regardless of the political and legal future of Obamacare, or the decisions of insurance providers, our plans will not be affected.

Kansas City group health benefits and employee insurance plans

With over 25 years of experience in the field, we can provide you with the group healthcare insurance plan you want, at the price that you want. If you are shopping around for healthcare coverage and insurance, contact an independent agency like Taylor Benefits Insurance today.

Dial 800-903-6066 and get free consultation on Kansas City Group Health Insurance & Employee Benefit Plans

Benefits We Offer Our Clients

Healthcare coverage and insurance is a necessity. However, many people do not have access to the healthcare insurance plan they need, or can afford. This is why we include the following benefits in all of our group healthcare insurance plans.

Typical Problems with Group Insurance in Kansas City

Healthcare coverage and insurance rates may rise in 2018. With the future of Obamacare uncertain, many insurers are protecting their business by increasing premiums, especially if the “individual mandate” requirement will not be enforced in the future.

The individual mandate requirement states that individuals must either have healthcare coverage or pay a penalty. If this is not enforced, insurance providers believe many insured individuals will leave their plans, the insurance pool will go down, and insurance will become more expensive for everyone else still on a plan.

Kansas City group health insurance plans

Instead of relying on individual healthcare insurance plans on the federal exchange, or the insurance providers themselves, why not enroll in a group healthcare insurance plan? Doing so will be cheaper, and you will receive a more customizable, more comprehensive, plan as a result. With an independent agency, your rates will not rise because your plan will not be affected by the actions of insurance providers or Obamacare’s political and legal future.

Are you looking for a Kansas City Group Health Insurance & Employee Benefit Plans? Click the quote button to get an instant quote.

The Benefits of Group Insurance

At Taylor Benefits Insurance, our group healthcare insurance plans are unique and custom-tailored to best suit each client we take on. Client satisfaction is key, and nowhere is this more important than in healthcare insurance. Group insurance is less costly than individual insurance, more comprehensive, and more stable. Mesa residents who are worried about rising rates or even the validity of their Obamacare plans in future years should consider making the switch to a group healthcare insurance plan today.

Relevant Statistics

  • Over 80% of businesses in Kansas City offer group health insurance to their employees.
  • The average deductible for group health insurance plans in Kansas City is $1,200.
  • Approximately 95% of individuals covered by group health insurance in Kansas City have access to dental and vision benefits.
  • Kansas City has a network of more than 2,500 healthcare providers that accept group health insurance.
  • Group health insurance plans in Kansas City typically provide coverage for up to 90% of prescription medication costs.

General Facts

  • Kansas City offers various group health insurance plans for businesses and organizations.
  • Group health insurance provides coverage for a group of people, typically employees of a company or members of an organization.
  • These insurance plans often offer lower premiums compared to individual health insurance.
  • Employers in Kansas City can choose from different options such as Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) plans.
  • Group health insurance helps ensure that employees have access to medical services and can receive necessary healthcare at affordable rates.

The Taylor Benefits Promise

At Taylor Benefits Insurance, we pride ourselves on being able to offer affordable, comprehensive, groups healthcare insurance plans nationwide. If you think that group healthcare insurance is a good option for you, contact us today. We will provide you with a free estimate so you can see the benefits for yourself. You are under no obligation to enroll in a healthcare insurance plan, and no payment is necessary, in order to receive your free estimate.

Frequently Asked Questions About Health Insurance And Employee Benefit Plans in Kansas City, MO

If a customer is hospitalized or needs financial assistance following medical treatment, a complete insurance plan covers those costs. Health insurance is a requirement of the Affordable Care Act (ACA) for Missouri residents. Under the Affordable Care Act, commonly called Obamacare, everyone is required to have health insurance. Missouri is the only state that does not have its own health insurance mandate. Some of the most common questions we receive from clients are:

In Kansas City, Missouri, Which Are The Health Insurance Providers That Cover Large Groups?

For companies with 51 employees or more, health insurance is available. You are considered a large organization in Kansas City, Missouri, if you have 51 or more employees. A few companies that offer health insurance under the “Mother of the West” model are listed below:

  • Kaiser Foundation Group
  • UHC of California
  • Metropolitan Group
  • Coventry Corp. Group
  • Blue Shield
  • eHealthInsurance
  • HCSC Group
  • State Farm
  • Carefirst Inc. Group
  • HIP Insurance Group
  • Unitedhealth Group
  • Blue Cross
  • Humana Group

Can You Tell Me How Much Small Business Insurance Plans Cost On Average In Kansas City, Missouri?

Insurance companies rely heavily on numbers. It is possible to obtain health insurance through your employer for as little as a few hundred dollars. The Affordable Care Act (ACA) may make it easier for those looking for Small Business Groups Insurance Plans to find them. 

The average cost of health insurance for Missouri’s small companies is $148 per employee. This is based on the lowest price plan within the state. The cost depends on the employee’s age and gender.

In Kansas City, Missouri, What Kind Of Benefits Should Be Provided To Employees As Part Of Their Benefits Packages?

A company’s success depends heavily on its employees. Provide them with comprehensive health insurance as a form of gratitude. Your care will make them feel safe and secure.

It may help you attract suitable candidates if you offer such incentives. For educated job candidates, comprehensive and cost-effective employee benefits packages are vital. A comprehensive employee benefit program can keep your company at the top of the list.

Standard employee health, dental, disability, critical illness, vision, and death insurance are included in a comprehensive employee benefit package.

On Average, What Is The Cost Of Employee Benefits?

Depending on your job status, you may receive a different benefit package. There is no right or wrong answer in this respect. Your premium will be determined by your employees’ demands. According to Kansas City, Missouri, the cost of employee benefits is over $1,048 per month.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

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