If you’re a small or medium sized business owner, you may be considering group health insurance for your employees. As with any decision regarding your business, cost is likely on your mind. When looking to purchase group health insurance in San Diego, you must first determine the type coverage needed. Then, you’ll want to shop for prices among competing agencies, making sure to compare the costs of like policies.
A group health insurance policy may cover any or all of the following:
- Outpatient services
- Emergency services
- Maternity and newborn care
- Mental health and substance abuse disorder services (behavioral health treatment)
- Prescription drugs
- Rehabilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
Once you’ve established minimum requirements, you’re able to determine variables. What deductible amount do you want employees to pay? A deductible is the amount employees pay before coverage begins. Do you want a plan with a co-pay, or one that pays the full amount after the deductible is met? How many employees will purchase insurance? Some plans cover a minimum number; for a small agency, you must keep a certain number of employees to maintain the policy.
With San Diego commercial insurance, cost per insured person is variable according to the number of persons insured. When shopping, it’s important to ask the agent you’re working with where price breaks are. For instance, how much is insurance for three people? For ten? For twenty? This can help you determine the best pricing for your individual needs.
If you have other questions about commercial insurance for your San Diego business or are interested in getting a free insurance quote, call 619-272-2100 and speak with an experienced and professional agent from American Tri-Star Insurance in San Diego.