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Indiana Small Business Group Plans

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 employer.

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 premium rates.

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 Aetna Health Insurance page.

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 Insurance page.

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 our Humana Health Insurance page.

Call 877-567-5267 to speak with our trained health insurance specialists and receive a quote.