Since the rewards can deductibles, co-payments and coinsurance levels of group insurance for small business health in Texas vary from plan to plan, purchase, worth it.

Do you have a good knowledge of the employees in the health sector, before buying. You need frequent medical care or who rarely see a doctor? Are you worried about the screening or the cover in case of emergency? Are prescription or maternityTake advantage of great importance to them? This is a crucial first step. You want a plan that will require the employee medical benefit, without some "extras do not offer" Buy your employees to use. Will pay for these "extra" in the form of higher premiums.

When shopping for coverage of the Texas Department of Insurance should keep these guidelines:

· It is important to fully understand the extent of coverage of each plancomparison of plans and prices. If you choose a consumer choice of health benefits for more than a plan with all the advantages of State for go, the carrier or agent must be in writing, to cover can not be explained.

Section book with high deductibles, co-payments, coinsurance and employee contributions are generally lower premiums. Please note that employees must also pay more out of his pocket when it comes to services or benefits.

·Take into account factors other than costs to be incorporated as a company's financial strength and appeal. These are the indicators for the service you would expect. You can get an assessment of the financial company, which is determined by an independent rating by the Texas Department of Insurance (TDI) Consumer Help Line. You can also learn information about the number of complaints from consumers against certain companies by calling the Consumer Help Line: 1-800-252-3439/463-5515in Austin.

· Free cooperative purchasing. These are small groups of employers with similar health needs, who come together to negotiate lower prices for the plans of municipalities. For a list of purchasing cooperatives registered in Texas, call the Consumer Help Line.

Prohibited · buy only from authorized insurance companies. Coverage unlicensed sale in Texas. If you are in an unlicensed carrier, claims the employees were not paid and canresponsible for the full amount of the debt of your employees and losses. Guaranty associations pay the claims of licensed carriers are insolvent. You can find out if a company is authorized by calling the Consumer Help Line.

· Understand that health care workers from the compensation insurance for workers', which covers only the tasks associated with various injuries and illnesses. Even if the insurance of workers' compensation is not in Texas, tookProtects against high prices in case of accidents with injuries. Regular reports on the health of your employees is not a lawful alternative to provide insurance for workers' compensation.

Who pays and how much?

The law does not require employers to contribute to premiums for health benefit plan. However, many carriers require at least 50 percent of employers pay the premiums of the plan. The employer may choose a higher percentage of the carrierrequires.

The carrier must provide coverage against all eligible employees. In general, employers are not required to contribute to the cost of covering dependents. If the employer does nothing to help all employees have to bear these costs themselves.

Any subsequent renewal premiums may continue to grow, mainly thanks to growth in health costs, and possibly as a result of claims experience of workers. Texas law caps small employers increases due to health factors at 15Percent per year.

Insurers may not require the company with additional lines of insurance, such as life insurance or disability insurance as a condition of sale to purchase a health plan.

Log in staff and waiting time

New employees must be at least 31 days to register the beginning of a plan. After this time may be required to attend them to wait up to one year for the next open enrollment period. "Carriers should be a 31 days supplyOpen Enrollment period each year.

You can specify that employees who are waiting for a plan to allow up to 90 days before registration will be required for entitlement to benefits. During this period, the carrier may charge a premium or the employee.

Airlines may require participants some time to wait for the pre-existing medical conditions. In general, the plans have different rules for pre-existing conditions. Plans with the request to open enrollment can expect new membersMore than a year ago, to cover their medical history.

New enrollees a year before entering a plan will also be recognized for the waiting time for a month from month basis are included. For example, an employee may receive under credible coverage for the entire year before he would be a new plan to wait 12 months after a year of the credit-existing conditions - and therefore is not experienced, you can wait around covered. In drafting my previous reports,credible and may have been a break of 63 days between the end of the previous reports and the beginning of the new coverage area.

An array of small employer can not refuse health insurance to employees for illness of employees, or medical history. Although air carriers can use health factors - such as claims against the employee experience or information on conditions that result from violent family situations - whether they offerCover.

As premiums for small employer plan are calculated

Prices for a particular plan for small employers are themselves not determined solely by the free services and the plan. Specific objective "characteristics of the case" may be used with all elements of health workers, including the components in determining the rate of the employer for the small group. Case compound of age, gender, group size, sector and geography. Some or all carriersThe goal of these five criteria:

· Age of Employees: the elderly can often be more expensive and likely to have health related. In general, the older the cost of staff to plan more.

· Gender: women in general, the medical costs than men at a young age, especially during the childbearing age. The variance increases with age, the initiation of medical costs for males exceed those for women, since close to 50 and 60 years. IfThey have a younger audience, the proportion of women employed in most, or one that is earlier than men and proportionately more to expect to pay higher premiums.

· Number of plan participants: Carriers often base rates on the size of the group for two reasons. As size increases, reduce administrative costs per insured person. Smaller groups tend to be focused on the health insurance needs of participants according to buy, increasing the likelihood of granting rights to benefits. With increasing size of the group, this"Custom-regulation" is becoming increasingly difficult, and premiums tend to decline. However, the highest number of participants does not exceed the lowest factor of the factor group size of more than 20 percent.

· Industry: Some industries have higher medical claims costs for others because of working conditions and the frequency of accidents. High turnover in some areas may also have an increase in administrative costs for carriers. However, the highest industry standard carrier charges may factornot factor lower than 15 percent.

· Geographic Area: Health care costs vary by region due to differences in cost of living and medical practices and the level of competition in the medical field. Most of the projects is to set the rates for the county or zip code, with the address of the employer, amounts.

The rating process for a small group of employers may be described as a process in two phases. First, a carrier a premium rate determinedFor properties and the project plan, regardless of health factors. This leads to the reference price of the policy. Secondly, the user can adjust the rates reflect the health factors of the group. This adjustment should be uniform to all members of the group and must not exceed 67 percent of the reference price of the policy.

Group health insurance may be unavailable to many small businesses, not to mention an administrative headache. AnotherAlternative health insurance group is to offer individual health insurance options for employees. Under the law, the employer has the right to contribute to these projects, or would be treated as a group of insurance under the law of the State of Texas. But you can not your employees are fully insured in a better and improve their health and welfare and the maintenance staff in the process. If you're a small business, offering happyaffordable health insurance for employees, but does not afford health insurance group, you create with your staff, the revolutionary individual solutions and a comprehensive health insurance from previous ones, particularly for young, healthy people.

Precedent offers affordable, individual health plans with catastrophic coverage, but without a high deductible, and we offer these plans and your employees at a discount. FurtherInformation, visit our website [http://www.precedent.com]. We offer a unique and innovative suite of individual health insurance solutions, including experience highly competitive HSA-qualified plans and an unparalleled "real time" application and acceptance.

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