Building a business can be hard work but finding affordable and quality health insurance doesn’t have to be. Whether you’re the owner of a small business with multiple employees or self-employed, you can face challenges when it comes to finding and getting health insurance. Here are some key points to help you.

Self-Employed

A self-employed business means they are in business for themselves without employees. A majority of self-employed people work from their home and are consultants, graphic designers or bloggers. Here is a 3-step process to guide you with coverage that best meets your needs.

1.     Assess your needs: Choosing a health insurance plan the best fits your needs means making an educated choice and knowing your personal priorities. Ask yourself a couple of questions:

a.     Are you sticking to a certain budget?

b.     What benefits are the most important?

c.     Who will be covered under this plan?

d.     Do you live paycheck to paycheck?

e.     How often do you go to the doctors?

2.     Compare your options: If you want to save big and make the most out of your health insurance, you’ll need to look at different plans that are available to you.

Cosmo Insurance has options for you, we’ll even show you plans through Employer Health Association, which provides health insurance benefits like large corporations at affordable rates. Get free quotes and advice from Cosmo Insurance and EHA.

3.     There are four key points in your decision.

a.     Health benefits: what plans provide the benefits must important to you?

b.     Cost: what plans fall within the budget you placed?

c.     Network: is there a doctor you love and would want to continuing seeing? What plan do they take?

d.     Prescription: Are you taking certain medication? Is it covered through this plan? Not all medications are covered by all insurance plans.

 

 Small Business

A small business has at least one full-time employee other than the owner. Here is a 3-step process to guide you with coverage that best meets your needs.

1.     Assess your needs: Choosing a health insurance plan the best fits yourself and your business needs means making an educated choice and knowing your personal priorities and those of your employees. Ask yourself a couple of questions:

a.     Is cost a concern?

b.     What kind of coverage is most important to you and your employees?

c.     Who will be covered under this plan?

d.     Would your employees rather pay more upfront?

2.     Compare your options: If you want to save big and make the most out of your health insurance, you’ll need to look at different plans that are available to you.

Cosmo Insurance has options for you, we’ll even show you plans through Employer Health Association, which provides health insurance benefits like large corporations at affordable rates. Get free quotes and advice from Cosmo Insurance and EHA. Deadline is December 31st.

3.     There are five key points in your decision.

a.     Health benefits: what plans provide the benefits must important to you?

b.     Cost: what plans fall within the budget you placed?

c.     Network: is there a doctor you love and would want to continuing seeing? What plan do they take?

d.     Prescription: Are you taking certain medication? Is it covered through this plan? Not all medications are covered by all insurance plans.

e.     Coverage add-ons: Most health insurance typically doesn’t cover dental or vision care. With Cosmo Insurance you can add these to your package for you and your employees.

4.     Usually small business owners can use the money they spend on health insurance for their employees can use it as a tax-deductible.

 

Talk to Cosmo Insurance today for a free quote and amazing advice from our licensed brokers.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance. 

CONTACT COSMO

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Posted 7:00 PM

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