Find the Right EMPLOYER HEALTH PLANS
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To offer the “right” health insurance plan is an important decision you make as a business owner – after all, keeping employees happy and healthy benefits you in the long run. But making sense of a complex health care system has become increasingly difficult for employers.
Not all plans are created equal. And not all businesses have the same needs either. With a variety of group coverage options, we have employer health insurance plans that work for companies of all sizes.
Key Health Plans presents you with a wide range of plan options. We are prepared to find group insurance benefits that match your needs. We lay all options on the table and walk you through each health plan until we narrow it down to one that fits best.
Why is speaking with a licensed insurance agent that specializes in group or employer benefits important? We provide expert guidance on offered HMO, PPO, and HSA plan options including Medical, Dental, Vision, Disability and Life products. Our licensed agents will educate you on: how to fill out a group census form (required for quote), physician networks, formularies (prescription drugs), and cost analysis. Throughout the enrollment process and post-enrollment, you will have a personal contact to assist with questions, claims, or concerns, should any arise.
Call us today 1-855-745-5422 or use the form to the right to have a KHP licensed agent contact you, please include preferred time and method.
Explore Your Options
How We Help Find the Right Health Plan for You
Insurance is complicated, and you may have questions about the plans you’re considering or already have. You can find some answers and general insurance quotes online, but sometimes it helps to talk to a real human being. If you have no clue where to begin, it never costs extra to work with our licensed agents who will simplify the process for you.
With Key Health Plans, there is no fee for advice. Whether you purchase a policy through Key Health Plans or straight from an insurance carrier, you would be subject to the exact same rate. That’s because, by law, the price of a health insurance plan, must be the same no matter where it is purchased.
If you are an employer in need of group health benefit quotes or you’re unsatisfied with the plan you have now, let our team at Key Health Plans help you find the one that fits.
To speak with a group benefit specialist, call us at 1-855-745-5422.
Information for Mid-Sized Groups (51-100 Employees)
If you have 50 or more employees, you may have to offer health insurance that meets qualified standards. If you don’t, you may be liable for the Employer Shared Responsibility Payment. Learn about the Employer Shared Responsibility Payment, below.
The Employer Shared Responsibility Payment
Some employers with 50 or more FTE employees who don’t offer insurance, or whose offer of coverage is not affordable or doesn’t meet certain minimum standards, are subject to Employer Shared Responsibility provisions. They may owe a payment if at least one of their full-time employees enrolls in a plan through the Health Insurance Marketplace and receives a premium tax credit.
To learn about the Employer Shared Responsibility Payment, call us at 1-855-745-5422.
Group Medical Insurance
Whether you’re self-employed or a business owner, you’ll have several various Carrier health plans to choose from. To help you pick the best plan for your needs it may help to understand some of the basics about plan types and metal levels.
All health plans are categorized into types, the most common include – HMO, PPO, EPO, and HSA.
- HMO or Health Maintenance Organization is a practical choice for a small business looking to keep costs down for employees. Some HMO plans offer low or no deductible programs. Key benefits include lower premiums, focused preventative care, but higher deductibles.
- PPO or Preferred Provider Organization can be described as the insurance company provides a network of partners that you can choose from for care, or you can go out-of-network and pay more. Key benefits include flexibility, higher out-of-pocket costs and premiums, but lower deductibles.
- EPO or Exclusive Provider Plan is like a traditional HMO service, but employees don’t need a referral from their primary care physician to see a specialist. The only requirement is they must stay in-network for all their healthcare needs.
- HSA or Health Savings Account is often used to supplement current health insurance coverage to save money on health care costs. In addition to saving money on health care costs, an HSA can earn interest.
Plan Metal Levels
Plan metal levels tell you something about how much you can expect to pay from your own pocket toward covered medical care. All plans typically require some amount of cost-sharing, either in the form of copayments, coinsurance or deductibles.
To learn more about group medical insurance, contact a licensed agent at 1-855-745-5422.
Group Dental & Vision Insurance
Now, many people go to the dentist and eye doctor more often than regular doctors. Optometrists and dentists can identify the signs of many serious health conditions. Identifying these conditions early may prevent them from getting worse — keeping employees well and productive.
When vision and dental insurance is added to a group health insurance plan, you’re offering employees a valuable total benefits package. Some employers feel that offering a strong benefits package helps them hire and retain the best workers.
Insurance products such as these are generally purchased with group medical, but as an employer, you can add-on dental and/or vision coverage at any time throughout the year.
For more information about dental and vision coverage, give us a call at 1-855-745-5422.
Group Life Insurance
Provide employees with a peace of mind. Life insurance, which is a value-added component to any benefits package, is used to protect employees and loved ones from financial burdens due to unexpected death of a wage earner. Benefits from a life insurance policy can assist loved ones with paying medical and funeral costs, paying off mortgage, or funding future expenses.
Call a group benefits specialist at 1-855-745-5422 to learn more about employer life insurance.
Group Disability & Accident Insurance
When employees are unable to work because of a disabling injury or illness, Short-term disability insurance helps by replacing part of their income. Group benefits typically cover about 40% – 60% of your gross income to a maximum level amount. If the employer is paying the premiums, the benefits are taxable. If you leave your employer, you may not be able to take your disability policy with you.
Group Payroll Services
Key Health Plans works with PayFocus, which is a state-of-the-art online payroll and basic HR solution designed to provide small businesses the best payroll experience while simplifying the way you manage the needs of your employees. PayFocus can reduce the time spent processing payroll, with it’s modern, customizable web pages that are designed to display pertinent information to the employer with a few clicks.
Contact a Key Health Plans group benefit specialist to learn more about our Payroll solutions, at 1-855-745-5422.