Group Health Insurance Quotes

How Does Life Policies Now.com Help Me Compare Group Health Insurance Quotes?

Life Policies Now.com has been helping people find the lowest rates for group health insurance since 2003. Why have thousands of small businesses looking to offer the benefit of employee health insurance turned to us to help find cheap rates on group health insurance plans? We save time and money by eliminating the need to visit multiple websites and call company after company to find great employee health benefits.
Life Policies Now.com does not sell insurance, instead, you fill out one fast, easy form and we match you up with local insurance agents who can help you find the best, most cost-effective health insurance for small business. With agents competing for your business, you can be certain you are finding the best premiums on the right small business medical insurance plan for you.

How Can I Find Lower Group Health Insurance Premiums?

There are many ways you can help to lower your small business employee health insurance premiums. First is to shop around before enrolling in an employee health insurance plan. You can make lots of phone calls or fill out forms on a bunch of websites and hope that you can compare group health insurance rates that way. Or you can use LifePoliciesNow.com, where you fill out one easy form and local small business health insurance agents compete for your business.

A second way of lowering your health insurance costs is to increase the deductible and/or co-pays in your plan. A higher deductible - usually anything over $1,000 a year -- means that your employees will be paying more out of your own pocket for any expenses they incur. But when paired with a Health Savings Account, a higher deductible may be a more cost-effective option.

Finally, and most important, you will receive lower rates on health insurance plans if your staff maintain a healthy lifestyle. Quitting smoking may have the most immediate impact, as will lowering cholesterol and keeping a healthy body weight for your height. Remember, health insurers consider healthy people to be much less of a risk than those who do not maintain a healthy lifestyle. That higher risk results in higher premiums for those enrolling in a group health insurance plan.

6 Questions to Ask Your Group Health Insurance Agent

To help you have the most productive conversation with your small business health insurance agent, we've created a list of 6 questions you should ask to ensure that you are as comfortable as possible with the group health insurance plan you're being offered.

These questions, of course, are just the beginning of the conversation you'll have with the agent. You may want to ask specific questions about emergency care, preventative treatment, or specific illnesses. Remember, the agent will try to be as helpful as possible, but only you know what features are most important to you in a health plan.

1. What is the best way to decide what illnesses I'll cover for my employees? Certain coverage is mandated by your state, but it will be up to you to decide the full range of coverage. Ask the agent what similar companies offer their employees.
2. Should I cover part-time employees with my group health coverage? The agent will be able to talk to you about what other companies offer to their part-time staff.
3. What is the procedure for adding additional employees to the plan? If you are a growing company, you want to make sure that adding employees to the plan is not an onerous task.
4. Do you represent one insurance company or are you a broker selling many companies' products? It's important to understand the range of insurance products the agent is selling.
5. If an employee has a preexisting condition, are they covered?
6. How much of the premium should the company pay, and how much should the employees pay? Your agent should be able to share benchmarks with you.