According to the Indiana small business profile, 97.6
percent of total firms were small firms as of 2004. Women also represent roughly 38.8 percent of
the self-employed in Indiana Health Plan One can help you business find plans
under Aetna Health Insurance, Anthem, Humana, and Golden Rule. Enter your zip code above and select “Small
Business Group” to find a quote in your area.
Providing health insurance for your employees can be
beneficial in different aspects. The
health insurance incentive for your employees decrease employee turnover rate,
while maintaining and retaining your best employees which will create profit
for your business. In addition, because
preventive care is covered under health insurance, the amount of sick days that
employees take decrease. According to
the New England Journal of Medicine, there is a 40 percent reduction in surgery
costs, and according to a UnitedHealthcare analysis of customers, there was up
to a 22 percent decrease in hospitalizations and a 14 percent decrease in
emergency room visits after using consumer-driven health plans offered by their
Consumer-driven health plans, such as a Health Savings
Account (HSA) or a Health Reimbursement Account (HRA). These accounts encourage employees to take
responsibility for their health and allow them to lead a healthier
lifestyle. In addition, HSAs and HRAs
allow employees to decide where their heath care money is used for, whether
short term- copayments, or long term- medical care. HSAs have been in the health care market
since the end of 2003 and follow the employee whether they move or switch
jobs. HSAs have high-deductible and low
For more information about UnitedHealthOne insurance rates,
visit our Golden
Rule Health Insurance page.
In the state of Indiana, underwriting is allowed. Therefore, instead of increasing premium
rates for an individual based on their health history, the health insurance
company provides a flat monthly premium rate for the company. Speaking to your employees before getting
health insurance is important in finding out their needs and their health
history. Monthly premiums for group
health insurance is tax deductible in your small business, so the amount your
company receives in tax credit depends on how much you spend in health
insurance. Aetna offers the Personal
Health Record, which allows employers to view the health history of their
employees and they can update, add and edit information on their employee’s
accounts with 24/7 access.
For more information about Aetna’ insurance rates, visit our
Similar to Personal Health Record, Anthem offers EmployerAccess,
which enables employers to manage their employee’s health insurance account
while viewing their benefits and paying bills online.
For more information about Anthem’s insurance rates, visit
our Anthem Health
Humana offers the Employee Assistance Program (EAP) which
provides 24/7 access for employees to speak with representatives from Humana
about any health concerns. For an
upgraded plan, employees are covered for three face-to-face assessments and six
short counseling sessions with their representatives.
For more information about Humana’s Insurance rates, visit
Health Insurance page.
Call 877-567-5267 to speak with our trained health insurance
specialists and receive a quote.