Reader’s Question:

I own a small business with 10 employees here in Louisiana. I am trying to device a retention program in the form of health insurance coverage to decrease the termination of my employees. Is there any company that offers small business group health insurance plans?

David

Metairie, LA

Certainly, there are plans for you, David.

This can help you a lot! Some insurance companies in Louisiana offer cheap health insurance policies for small companies like yours which have 2-50 employees. Aside from medical expenses protection, your employees will have peace of mind knowing that your company takes care of their needs. The most important thing that you need to consider in selecting the right health insurance company, is of course, reliable and friendly customer service, efficiency, responsiveness, accreditation, and financial stability.

Since we all know that every business has unique needs, most insurance companies in Louisiana are actually offering more flexible plans when it comes to group health insurance plans, like what you are planning to buy. You have numerous choices, as far as I know, such as major health insurance plans, consumer choice health insurance plans, or ancillary health insurance plans. Ancillary health insurance can be more specific such as dental insurance, short-term disability insurance, and life insurance.

And you know what’s good about most group health insurance companies these days? You can even manage your employee’s accounts online…and so can your employees. All they have to do is to get hold of their health insurance ID card, and make changes to their coverage online. A few examples I can give are to add coverage to a new dependent or now the account balance of a health savings account, which can easily be done in real time online…only with a few clicks from your office! That’s what technology can do for you…

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