President of Health Insurance Agency Advises Businesses on What Type of Coverage is Best
There are so many types of plans available to small businesses today. Knowing how to chose the right one should not be hard if a logical approach is used, according to Chuck Mondrus, President of American Health Insurance, a top-producing agency in the United States.
Northridge, CA (PRWEB) March 15, 2007
Chuck Mondrus, President of top-producing insurance agency, American Health Insurance, says buying quality self employed health insurance coverage that's right for any stage of business growth with an eye to the future, is easy to do.
An employer may be the only employee of the company but still needs the peace of mind provided by a quality insurance plan. Before the employer ask for a self employed health insurance quote, though, look at these three business growth scenarios. Then decide what kind of self employed health insurance coverage and benefits are needed before health insurance is purchased on-line.
1) The employer expects to remain the sole employee of my business.
Solution: simply ask for a self employed health insurance on-line quote.
Shop around and ask for a health insurance on-line quote from reputable insurance agencies that provide quality customer service. Then buy health insurance on-line from the agency that meets the specific needs and budget.
Also read up on and / or consult an accountant to discover how the business can deduct the cost of self employed health insurance coverage. (http://www. wwwebtax. com/adjustments/self_emp_health. htm) The business owner will want to take advantage of every deduction possible without making a costly error in what's allowable.
2) The business expects to hire employees within the next year.
Solution: ask about temporary self employed health insurance coverage and also ask for a group health insurance quote.
Let's say that the owner has gotten a self employed health insurance quote that pleases him/her. There's just one more step to take before the purchase of health insurance on-line. Ask the insurance agent to discuss how will transition from self employed health insurance coverage to group health insurance work once employees are hired.
If the insurance agent is too busy to talk about this, then look elsewhere for a health insurance on-line quote. Also, monitor the dates on the temporary health insurance policy carefully because it shouldn't lapse between the end of the temporary health insurance and the beginning of the group policy.
3) The business is ready to hire anywhere from two to fifty people.
Solution: ask which group health insurance plan provides the benefits that the owner -- and employees -- will need.
Congratulations! The business must be thriving and growing. Discuss this anticipated growth with insurance agents. Compare and contrast the health insurance on-line quote that they give for group insurance policies and choose the one that will treat the employer's your best assets -- the new employees -- right.
Use the group health insurance benefits as a recruiting tool to hire and retain top quality staff that will keep the business moving in the right direction. When a business owner buys health insurance on-line he/she is in fact investing in the company and its assets.
Time for a self employed health insurance quote or for group health insurance? Either way, choose the insurance agent that provides quality coverage and service, no matter what stage of growth the company is in.
Take a good hard look at where the business is headed. Decide whether there is a need self employed health insurance coverage or group health insurance. Then get a self employed health insurance quote and buy health insurance on-line that will keep the owner -- and employees (current or future) -- safe, secure and covered.
Charles Mondrus is the president of American Health Insurance (http://www. americanhealth911.com/), an agency selling Blue Cross of California health insurance and Blue Shield of California health insurance plans for individuals and employers. Charles and his team of insurance experts are licensed to sell Blue Cross California health insurance, as well as Blue Cross and Blue Shield plans in Colorado, Nevada and Georgia. Discover how you can find secure and affordable Blue Cross California coverage at AmericanHealth911.com. (http://www. americanhealth911.com/california-blue-cross. html).