by Janet Attard
This post is sponsored by UnitedHealthcare. All thoughts and opinions are my own.
Image source: Photospin.com
Few words in the English language give small business owners more agita than the words health insurance. On one hand, business owners know that having health insurance is essential to their employees’ well-being and they want to do the right thing for their workers. They know, too, that offering comprehensive health insurance will help them attract and retain employees. Health insurance, after all is one of the key factors job seekers consider when applying for jobs and deciding on job offers.
But on the other hand, cost of providing health insurance coverage for employees is a big concern for small businesses. According to The Business Journals SMB Insights report, 63% of businesses with 5 to 499 employees consider health insurance costs to be a major concern this year. To make matters worse, employers find the process of acquiring the right healthcare plan extremely time-consuming and confusing according to the 2015 Superstore Quant Report.
That’s why UnitedHealthcare has developed a new way for companies with 2 to 50 employees to shop for and buy small business health insurance online. Simple and easy to use, the site makes it possible for you to review and choose health insurance for your business in as little as 20 minutes.
You start by reviewing the plans available in your location. You can choose to either offer all of them to your employees or to customize a package of plans for employees to choose from. And if you’re unsure of what to do, there are “learn more” links to explain the various aspects of the choices available to you. You can also get help from a coverage advisor by phone if you prefer.
Once you choose a healthcare option to offer, your next step is to enter basic information about your employees and their families such as age and gender. This information will bring up price quotes that are specific for your company based on the people you plan to insure. You decide how much you’ll pay per employee and what the employee contribution will be. Then, you purchase the insurance using an online checkout.
The whole process makes it much less confusing and faster for business owners to choose and buy health insurance for their company. The step-by-step approach to selecting and purchasing insurance takes away the guesswork and uncertainty. Being able to see and easily understand plan options and pricing makes it easier to make a confident decision about healthcare insurance for your employees. Furthermore, depending on your circumstances, there may be multiple plans available for your employees. If you choose to offer 6 or more plans to your employees, they will have access to an online plan selection tools that will help them choose the best coverage and cost for their own and their family’s needs.
In addition to standard health insurance, employers also have the ability to provide employees with dental, vision and life insurance as part of their package.
Although buying health insurance isn’t likely to be a task you’ll ever look forward to doing, the UnitedHealthcare website will at least help you feel in control of the process and confident about your decision. Check it out today on the UnitedHealthcare website.
The views expressed do not reflect those of UnitedHealthcare nor its affiliates. They are the personal opinions of the authors. While UnitedHealthcare has made every attempt to ensure accuracy, the information contained in these blogs may change and UnitedHealthcare assumes no responsibility for errors, omissions, contrary interpretations of the subject matter or information herein or for any losses, injuries, or damages arising from its display or use. These blogs may connect to other websites maintained by third parties over whom UnitedHealthcare has no control. UnitedHealthcare makes no representations as to accuracy, completeness, suitability, or validity of any information contained in those linked blogs or third party websites. Blogs are for general informational purposes only and not intended to be medical advice or a substitute for professional health care