Health Insurance for small business
Category: Business and Money > Small Businesses
Asked by: 4723-ga
List Price: $25.00
22 Dec 2005 16:27 PST
Expires: 21 Jan 2006 16:27 PST
Question ID: 609057
Hello I am looking to purchase health insurance for small company , with my employees can be anywhere in the US...like one employee may be in California another in NY ,anmother in texas.. It seems there are so many options like HMP.PPO..some inclusions , Managed plan etc.. My company is located in NY..I am looking to get better idea for following two aspects: 1) Hoe can I get very good rate for health Insurance e.g. if I become member of some organization of small business, select HMO,PPO..or other ways , etc..or some other ways 2) I need a pointer , through which I can get fair comparative idea for the health insurance cost in various state. ( this will help me to think about relocation) Thanks
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Re: Health Insurance for small business
From: infomike-ga on 06 Jan 2006 13:05 PST
Hi 4723, there are several things that you can do. The fact that your employees work in other states doesn't really matter, but the network of the provider you choose will need to be accessible by your employees who live in other states. The actual plan will be purchased in the state in which your business resides permanently. I would begin by contacting a health insurance broker that sells insurance in your state. They can offer quotes from several companies that are available in your state. You can check them out by going to your state insurance commissioner's web site. Since you don't have a relationship with a broker you might consider interviewing several to see who you are most comfortable with. They will all be able to give you a best rates quote based on a census of your employees for the companies they represent. This will give you a starting point. You might also contact your local chamber of commerce to find out who they recommend and who other business owners in your area are using. This will help you find an association as well. Hope that helps.
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