Tag Archives: employee benefits

As the various insurance implications surrounding Obamacare continue to affect both individuals and small businesses, it is important that you make sure that you are complying with the Affordable Care Act. Depending on the size of your small business and the amount of full-time employees that you have, you may be required to offer them health insurance. As we observe how recent health care reform is affecting our California small businesses, there are some trends that are worthy of acknowledgement:

  • Obamacare has contributed to the growth of consumer-driven health care. As a consumer-driven industry, employees and patients are acting as medical consumers and controlling how their health care allowances are spent. Since the responsibility of controlling health care choices is transferred to the employees, small business employers benefit from consumer-driven health care.
  • As a small business employer, it is important that you educate yourself of the various health insurance options available to you. When it comes to small businesses and health insurance, you have the luxury of offering your employees tax-free money so that they can make their own health insurance purchase.
  • The entire way employee benefits work is altered by recent health care reform. Rather than providing your employees with a group health insurance plan, you now have the luxury of offering your employees a health care allowance instead. If you have experienced the inability to offer your employees group health insurance in the past due to failure to meet minimum requirements, you can now offer employees this commodity, tax-free!

Contact Bernardini & Donovan Insurance Services for all of your California business’ health insurance needs. We understand that the various implications surrounding Covered California may have you confused, and that is why we are available to dispel any myths and reveal only the truth.

Your business has grown to the point where you can hire as many employees that you need to handle operations. You’ve developed the employee positions and hired the qualified workers. There is just one other thing you need to do: find the right employer’s health insurance plan that you can afford.

5 Steps Business Owners Can Take To Find the Right Group Health Insurance           

Finding the right health insurance and employee benefits does not have to be a long and arduous process. You can find the insurance you want and the one that your employees will be happy with by following these 5 steps.

Step #1: Research the Insurance Industry

Never purchase a product without finding out more about it. This includes health insurance. Find out about the industry and how it personally affects you as you can make smart decisions when it comes to buying group health insurance.

Step #2: Talk With Your Employees about Benefits

While you don’t have to ask your employees about health insurance, it is a good idea to get their opinion about it. Create a survey and ask them about the types of employee benefits they would like to have. In this manner, you can look for insurance that will cover their needs.

Step #3: Get Quotes

Ask your agent or broker to prepare different quotes so you can get a general idea on how much the insurance will cost.

Step #4: Compare Plans

Once you get the quotes, you can now compare the insurance plans so you are getting the most affordable prices with the best offered coverage. Now is the time to pull out the questionnaires your employees filled out so you can use their opinions to help with the decision-making.

Step #5: Commit To the Policy

Once you choose the policy, you need to commit to it without second-guessing yourself. Just move forward with your choice with the full knowledge that your employees are properly protected.

Bernardini & Donovan Insurance Services Provides the Quotes You Need

Choosing insurance is never easy, but it can be done if you are using the right company who offers affordable insurance products. Bernardini & Donovan Insurance Services offers premium group health insurance at the quotes you can afford. For more information about Bernardini & Donovan Insurance Services in the Redlands area, and throughout California, contact Bernardini & Donovan Insurance Services at 877-251-2447.