Lima Group Health Insurance & Employee Benefit Plans

The Affordable Care Act was enacted with a goal of providing affordable, accessible and high-quality healthcare to all citizens in the United States. However, this goal is yet to be achieved, with many citizens still uninsured. The city of Lima, Ohio, is a fast-growing city with a rich history. It is the county seat of Allen county with a population of about 38,000.

Group Health Insurance and Employee Benefits

Group health insurance is a voluntary insurance plan offered by employers to their employees and their dependents. It promotes loyalty and employees tend to identify more with your company. Group health insurance and employee benefits promote a healthier workforce which is present at work. This ensures high productivity and increased outcomes. Employers offering employee benefits will attract top talent and retain them hence reduce employee turnover. Businesses with such benefits attract a tax advantage. Since the insurer is less at risk due to the pooled resources, they offer group health insurance premiums at cheaper rates.

What to Look for in an Insurance Provider

Getting the right insurance provider for your specific insurance needs is not easy. It calls for careful research so as to make the right choice. The top factors to consider include:

• Licensing – A licensed insurance provider offers some degree of security. Choose one which is licensed by your state to operate in it and to trade in the insurance policies that they are offering.
• Products – Choose an insurance provider that has many options of insurance plans to choose from. This ensures that you choose the most suitable plans for your unique needs.
• A large provider network- A good insurance provider should offer a large network of providers. This ensures that your team has access to quality and affordable healthcare.
• Customer service – Good customer service will help you in times of emergencies and you should be able to reach them anytime, using any communication channel you are comfortable with.

Benefits of Working with an Insurance Broker

When buying an insurance policy, you can either purchase directly from the company, or engage the services of an insurance broker. The top benefits of using an insurance broker include:

• Insurance brokers are quite proactive and they will shop around to generate several quotations for comparison, make a follow-up once you contact them, reply to direct services like emails and social media and offer one-on-one communication.
• It is cheaper to work with insurance brokers as they are given different rates by insurers so as to have lower premiums. They also compare premiums rates from different insurers to choose the best prices.