According to the Connecticut small business profile, 97.3
percent of total firms were small firms as of 2004. Women also represent roughly 30.5 percent of
the self-employed in Connecticut. Health Plan One can help you business find
plans under Aetna Health Insurance, ConnectiCare, Cigna, and Anthem. Enter your zip code above and select “Small
Business Group” to find a quote in your area.
Medical underwriting is allowed in the state of
Connecticut. This means that instead of
increasing premiums based on individuals, there is one flat rate between all
employees. Researching ahead of time and
communicating with your employees is highly recommended to choose the best
health insurance group plan for you company while optimizing your tax
deductible rates. Tax deductible rates
depend on how much the employer spends on a company’s health insurance plan.
Choosing the appropriate group insurance plan can be
confusing and may seem at first that it will decrease the bottom line for your
business. However, studies have shown
that employers who offer the incentive of health insurance hire and keep
highly-qualified individuals meaning profit for your company, as well as
decreasing employee turnover, keeping a well-maintained working relationship
with your employees.
Aetna offers the Personal Health Record which allows
employers to view the complete health history of each employee, including all
claims in which the employee filed.
Aetna also provides medical/pharmacy and dental plans for small
For more information about Aetna, visit our Aetna Health
ConnectiCare offers a wide-range of insurance plans from
Consumer-Driven Health Plans (CDHPs) and Flex Point of Service (FlexPOS)
Plans. Consumer-Driven Health Plans can
be high-deductible health plans (HDHPs) which can be used with Health Savings
Accounts (HSAs). Health Savings Accounts
provide employees with health-based savings accounts allowing them to manage their
money towards healthcare and whether it will be used for deductibles or whether
it will be used to long-term health care.
FlexPOS plans give employees a high level of benefits within their
For more information about ConnectiCare, visit our ConnectiCare
Health Insurance page.
Cigna and Anthem both offer employee-assistance programs to
better fulfill the needs of employees with their insurance plan.
Cigna offers employees the Employee Assistance Program
(EAP). This program works on two levels:
24/7 telephone access and face-to-face assessments and counseling
sessions. The number of visits per
unique issue per year depend on what plan the employer chooses.
Anthem offers EmployerAccess, an online benefit management
system which allows employers to manage their employee’s benefits and access
their information while viewing and paying bills online.
For more information on Cigna, visit our Cigna Health
For more information on Anthem, visit out Anthem Health
All of these plans offer the traditional Health Maintenance
Organization plans (HMOs) and Preferred Provider Organization plans (PPOs).
HMOs are usually cost-effective in that the plan only requires payment on the
monthly premium and deductibles that are paid at time of treatment. However, PPOs are chosen by employers in
times when employees have family doctors or specialists that they are
comfortable with which are out of the plan’s network. Employees are then able to choose PPO plans
at a higher deductible.
Call 877-567-5267 to speak with a licensed insurance
specialist to help you find the best quote for your business.