Small Business Group Health Plans

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Health Benefits are available in AZ, CA, CO, CT, FL, GA, IL, IN, MA, MD, MI, NJ, NY, OH, PA, TX, VA and District of Columbia. Should you have questions, you should consult with your tax or legal advisor.

ADPIA does not handle claims administration and is not a third party administrator.

Think of this as your monthly bill – the amount you must pay the health insurance company, on-time each month or you may lose coverage.

Choose from a broad range of comprehensive health insurance and dental plans for you and your family – all of which include free One of the Essential Health Benefits, all plans are required to cover many preventive services – check-ups, vaccinations, screenings for breast cancer, cholesterol, diabetes, and more – before you meet the deductible AND at no additional cost to you when delivered by a doctor or other provider in your plan's network.

In addition, some commercial health insurance plans cover preventive care.

Carriers may also offer wellness programs to encourage healthy behaviors and identify medical conditions when they first develop.You pay this even if you don't use healthcare services that month.If you choose a plan with a lower premium, expect to pay more for prescriptions and healthcare services.Features higher deductibles than traditional insurance plans.High Deductible Health Plans can be combined with a health savings account or a health reimbursement arrangement to allow employees to pay for qualified out-of-pocket medical expenses on a pre-tax basis.If you have several employees, it may be necessary to conduct a meeting to determine what they are looking for, as well as what your company can afford.Typically, employees will seek the lowest deductible possible, but in turn, this means higher premium fees for the business owner.Group health insurance coverage usually gives your staff access to a more affordable alternative to an individual policy.Plus, group health benefits can be a huge selling point for potential employees and may be a key factor in attracting and retaining top talent.Alliances between physicians and hospitals to help providers attain market share, improve bargaining power and reduce administrative costs.Physician-Hospital Organizations sell their services to managed care organizations or directly to employers.

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