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How Does Small Business Health Insurance Work?
Why You’ll Love Working With Us:
Always looking out for YOUR best interest - we will consult on which strategies are best for your company’s goals, employees, and bottom line.
Your advocate – we leverage our close relationships with all the major medical insurance and ancillary carriers to negotiate the best rates for you.
Alternative Funding options – while we work intimately with all the major fully-insured medical and ancillary insurance carriers – we also have access to a number of alternative health insurance funding options. Innovative risk management insurance products have the potential to save you thousands of dollars every year. We’ve successfully implemented level-funded, self-insured, and group captive health plans for a number of our clients.
Offload your administrative work – Our goal is to become an extension of your HR department and remove your employee benefits related administrative burdens by working on your behalf to resolve employee issues relating to: claims, ID cards, billing, eligibility and enrollment, qualifying events, payroll deductions, COBRA, and answering benefit related questions (medical, dental, FSA, HSA, life, vision, etc.)
Free technology resources - including an HR hotline and open enrollment portal
Dedicated service team – As part of our relationship based service philosophy, we assign dedicated service teams to your account. Your service team will get to know your business, and you and your employees will be able to reach them directly by phone or email whenever needed.
Compliance - How confident are you that you’re 100% compliant in the areas of ERISA, ACA & HR? We provide turnkey compliance packages around ERISA & HIPPA. Additionally, as part of our pre-renewal meeting we will annually provide a complete compliance audit pertaining to all things ERISA, HIPAA, and ACA. We will also facilitate the preparation of Form 5500s and Summary Annual Reports at no additional cost.
Wellness initiatives - We can build and customize a wellness program specific to your employees’ needs and healthcare data, and will deliver the tools you need to get a successful wellness program off the ground.
All-in-One capabilities – For companies looking to simplify: we are one of the only brokerages in our space to offer business insurance, risk management services, employee benefits, HR outsourcing, payroll services, and employer sponsored retirement plan services all under one roof. Our clients love this because it offers additional efficiencies, cost savings, and superior service. Since all of these services are in-house, we control the level of service you receive.
There are four things every small business owner should know about how small business health insurance works.
Coverage is generally guaranteed issue
You need at least one employee to qualify
You must contribute toward employee premiums
And you can shop for coverage at any time of the year
The insurance company will determine the final monthly cost for your group health insurance plan once your application has been reviewed and approved. The insurance company will assess your group using a number of criteria, including the size and location of your company and the ages of your employees, to arrive at the final monthly rate, or premium. As part of the Affordable Care Act, the health of your employees, including pre-existing conditions, no longer impact group health insurance rates.
If you already have a broker or have purchased a group health insurance plan in the past through a broker or health insurance company, Health Estimates can help you to maintain your current plan or find a new plan that meets your health insurance needs.
Health Estimates provides you with world-class customer service.
Health Estimates is a platinum agent with many top health insurance companies.
Health Estimates has dedicated accounts managers to assist you.
Rates are regulated and do not vary by broker, so there's no additional cost to you.
3333 Chicago Road
Steger, IL, 60475