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Kansas Small Business Group Plans

According to the Indiana small business profile, 96.9 percent of total firms were small firms as of 2004.  Women also represent roughly 35.2 percent of the self-employed in Indiana 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 group small business plans, your company must have between two and 50 full-time employees, and from that, at least 50 percent must be insured.  Full-time employees are employees work at least 30 hours a week, and who are not seasonal.  Underwriting in Kansas is allowed, so instead of premiums being raised on an individual basis, one flat monthly premium rate is assigned to the group.  Therefore, it is important to talk to your employees ahead of time before you apply for a group health insurance plan to find out their medical and health history and assess their needs.  Monthly group health insurance premium rates are tax-deductible for businesses, so the amount of money that is tax-credited at the end of the year depends on the amount your company spends on health insurance.

Aetna provides what is a called a Personal Health Record for employers.  The Personal Health Record allows employers to view the health history and background of all employees, including a record of all claims.  Medical, Pharmacy and Dental plans are offered and Aetna recommends certain programs to its members, such as disease management.

For more information about Aetna insurance plans and rates, visit our Aetna health insurance page.

Humana offers Employee Assistance Program (EAP) to small businesses in Kansas.  This program provides 24/7 access to speak with a representative on the telephone to receive health information and advice.  The EAP also offers the option of 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.

For more information about Humana, visit our Humana Healthcare page.

According to a UnitedHealthcare survey and analysis of employees who were insured by their company and had consumer-driven health plans (Health Savings Accounts), saw a 22 percent decrease in hospitalization and a 14 percent decrease in emergency room visits.  Health Savings Accounts (HSA) encourage employees to manage their health care money and take responsibility for their health by living a healthier lifestyle.  Health Savings Accounts were introduced to the health insurance market in December 2003 and follow the employee whether they switch jobs or they 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.