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Group Health Insurance

What is Group Health Insurance?

A group health insurance plan helps you and your employees pay for health care costs. Businesses with one or more employees are eligible to buy group health insurance. Health Insurance Plans Organization offers options for businesses of all sizes.

Why Select a Group Health Plan?

Group health insurance plans are designed to be more affordable for businesses. Employee premiums are usually less costly than those for an individual health plan. Premiums are paid with pretax dollars, which enable employees to pay less in yearly taxes. Employers pay lower payroll taxes and can subtract their annual contributions when calculating income taxes.

How Group Health Insurance for Employees Works

Group health insurance for small businesses enables them to pay health care costs for their employees. When you pay a premium, insurance companies pay a portion of your medical costs, as well as for regular doctor checkups or injuries and treatments for accidents and long-term illnesses. The amount and services that are covered differ by plan.

For instance, an employee may have a $20 copay for every doctor visit. Or, their plan may not cover any costs until they have paid their deductible. Usually, the higher an employee’s monthly premium, the lower their deductible will be.

Group Benefit Plans

Group benefit plans are insurance plans that employers can buy for their employees. There are many types of group insurance options available, as well as special plans, such as vision, dental, pharmacy, and more. There are also ways to bundle numerous plans into one for even more savings.

Vision Health Insurance

The Health Insurance Plans vision program provides excellent eye care benefits.

Our benefits comprise:

• Coverage on most vision costs.We cover eye examinations, glasses, and frames or contact lenses instead of glasses. Copays may apply. Additionally, members receive discounts on laser eye surgery, hearing aids, contact lenses, and more.
• Paperwork-free vision benefitsID cards are not required but are accessible online if desired.
• Frame allowanceMembers receive a generous allowance that applies to frames bought at vision network providers.
• Standard scratch-resistant coatingWe cover scratch-resistant lens coating full for every pair of glasses bought through a network provider.
• Optional covered-in-full contact lens benefitsWe cover select contact lens acquisitions in full, as well as initial fitting evaluation and up to two follow-up visits. We also provide allowances for contacts not included on the selection list.
• Expansive national networkSelect from over 80,000 network providers, as well as both private practice and retail chain locations.

Group Dental Insurance Plans for Your Business

If you’re searching for group dental for your business small business, you’ll find Health Insurance Plans has a variety of plans to fit your requirements, whether your business is small or large. You can get started here by reviewing our full range of dental insurance choices to find a plan that offers the right level of choice, coverage, and savings to match your business goals and your employee wants.

How Group Plans with Higher or Lower Monthly Premiums Work

Higher Premium Plan

Typically, if you select a group insurance plan with a higher monthly premium, you will pay a lower amount for your deductible when you get care.

Lower Premium Plan

If you opt for a lower monthly premium plan, you will most likely pay a higher amount for your deductible when you get care.

Resources and References:

• Vision Health Insurance
• Group Health Plans