According to the Louisiana small business profile, 97.6
percent of total firms were small firms as of 2004. Women also represent roughly 23 percent of
the self-employed in Louisiana Health Plan One can help you business find plans
under Aetna Health Insurance, Humana, and Golden Rule. Enter your zip code above and select “Small
Business Group” to find a quote in your area.
To qualify for small group health insurance, your business must
have two to 50 full time employees who work at least 30 hours a week and who
are not seasonal. At least 50% of all employees in the small business must also
Underwriting in Louisiana is also legal which means the
health insurance of each individual employee will be taken into consideration
to provide one flat monthly premium rate.
Understanding your employee’s health history and needs in an insurance
plan is important, because since group health insurance premiums are
tax-deductible, the amount of tax credit your company receives at the end of
the year depends on how much you spend on group health insurance.
Aetna offers the Personal Health Record, which gives a
record of each employee’s health history for the employer. This includes all claims and medical
background of the employee. The Personal
Health Record also gives Aetna 24/7 access to update, change or add information
to the employee’s accounts.
For more information about Aetna’s plans and rates, visit
Health Insurance page.
Humana offers a similar program to employees, called the
Employee Assistance Program (EAP). The
EAP offers 24/7 access for employees to speak with a representative on the
telephone to answer any questions and/or concerns about the employee’s health
insurance. The EAP also offers the
option to include three face-to-face assessments per unique issue along with
six face-to-face short counseling sessions per unique issue. The amount of visits per year may vary by
For more information about Humana’s plans and rates, visit
The least expensive plan for employers to offer for their
business is Health Maintenance
Organization plans (HMO). HMOs require
employees to stay within the network of the health insurance carrier. A carrier has a network of health care
providers (primary care, specialist care, and hospital care). Deductibles are usually lower for these plans
because the employees are staying within network. However, this plan may not always be popular
with employees because they may have a family doctor or a specialist who they
are comfortable with that may not be within the carrier’s network. Therefore, some employers choose Preferred
Provider Organization (PPO) plans. For a
higher deductible and sometimes premium, the employee is able to choose from any
provider they want.
According to a UnitedHealthcare survey and analysis, employees
who were insured under consumer-driven health plans, such as Health Savings
Accounts, experienced a 22 percent decrease in hospitalization and a 14 percent
decrease in emergency room visitations.
Health Savings Accounts was introduced to the market at the end of
2003. They allow employees to manage
their health care money, whether they switch jobs or move to a different state.
For more information about UnitedHealthOne insurance rates,
visit our Golden
Rule Health Insurance page.
Call 877-567-5267 to speak with our trained health insurance
specialists and receive a quote.