Small Group Solutions
While it’s not required by law, many small businesses—those with 50 or fewer employees—offer health insurance as a way to attract and keep good employees. As a business owner you may choose to offer dental, disability and vision benefits as well.
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Small Group Health Insurance Options
The Small Employers Health Care Access Act ensures that a small business can get an insurance plan for its employees, regardless of the health history of any one individual.
The options available to small businesses are similar to those offered for individuals. Both traditional (Fee-For Service) and “managed care” plans (HMOs and PPOs) are available. It’s up to an employer to choose which plan or plans to offer his or her employees. Providers on the Florida Health Plans Providers List will be happy to explain their plans to you.
As with individual plans, small business HMO plans usually offer a wider range of benefits to their members at a lower overall cost. HMOs require, however, that members use the HMO’s health care providers (doctors, hospitals, etc.) exclusively.
PPO plans offer their subscribers a greater degree of freedom in selecting health care providers while still keeping costs fairly low.
Traditional (Fee-For-Service) plans offer the greatest degree of freedom but also have higher costs and usually require more paperwork.
In order to help employers more easily select the right plan for them, the state of Florida established Standard and Basic Health Plans. In this standardized format, each plan offers identical coverage but differs in service, price and out-of-pocket expense.
The Standard Plan has higher premiums, more benefits and lower out-of-pocket costs. With the Basic Plan, your monthly premiums are lower but your out-of-pocket expense is higher.
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