Kamis, 23 Agustus 2012

Myth: Your Company Is Too Small for Group Insurance

There is a common misconception amongst owners of small businesses that their companies are not large enough to warrant a group health insurance plan. These business owners are often misinformed about the nature of the plans that many health insurance providers have to offer, and are all missing out of the many benefits of a group plan. Here are just a few of the reasons you may be feeling hesitant about seeking out group insurance and why you may want to reconsider that choice.

Myth #1: Group Insurance Is Too Expensive

Like any smart, savvy business owner, you are going to view potentially unnecessary business expenditures with a critical eye. This is always smart, but if you write off the possibility as too costly without actually investigating your options, you are not truly being critical enough. Many health insurance providers are very aware of the particular needs of small businesses. In response, there are now a surprising number of options for group insurance plans that are affordable, even for a small business budget. You should at least look into the kind of pricing that is out there, and weigh the costs against the detriments of not providing insurance. Consider, especially, the cost effectiveness of having employees healthy enough to work to their fullest capabilities and happy enough with their jobs to have the desire to do so.

Myth #2: Group Insurance Is Not Flexible Enough

Your business is unique. Chances are high that there is no ready-made plan that will be a perfect fit in taking care of your individual requirements. This, however, does not mean that you have no options. Just as insurance providers are aware of your cost issues, they know that for small businesses, a cookie cutter plan just is not going to cut it. In response, you will find that you have a number of options for a completely customized group plan that takes into account what you really need, keeping in mind what you are willing to pay for it.

Myth #3: Group Insurance Will Create Unnecessary Administrative Burdens

Of course, it is true that adding a group insurance plan will require some administrative work behind it. Luckily, as technology continues to improve, many providers have almost completely taken on this task themselves. Most often this leaves small businesses with only very limited tasks to handle, which are often done on user friendly online interfaces. This, like any other feature, will not be true of all companies, but if you search around you can almost certainly find a provider that will do the bulk of administrative tasks for you.

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