Centered. All Around You.

Prevea360 Health Plan. A better kind of health care.

Prevea360 Coordinated Care integrates all key elements of personalized health care into
a single efficient system. A powerful network of providers. A comprehensive collection of
care facilities. Extensive insurance coverage and plans. All centered around you.

 

Prevea360 may be the right answer for you. We encourage you to call your agent and
schedule a comprehensive review of your health care coverage needs. If you need help
finding an agent or would like more information, contact us at 877.230.7615
or sales@prevea360.com.
 
Before you speak to an agent, make sure you can answer — 
or have at least considered — the questions below.


The Top 5

Things to know before calling your agent

1. Who’s going to be covered

As the health coverage decision maker for your organization, the first thing you want to be certain of is who’s eligible for coverage. For instance, if you have both full-time and part-time employees, you’re not always obligated to offer coverage to employees in both categories. If you offer it to one employee in one category, however, you generally must offer it to all employees within the same category. Will you extend coverage to your employees’ dependents? Most employers do, but it may not be required. You may also wish to consider the health needs of your employees. Are they likely to need generous prescription drug coverage or maternity coverage? Are they likely or unlikely to visit the doctor often? For legal and privacy reasons, you may not be able to ask them specifically about their personal health, but you can usually ask them in general terms what kinds of health coverage is most important to them.

2. How much your company roughly feels it can afford

With group health insurance, employers are required to make contributions toward employee premiums — generally speaking, at least 50% of the monthly premium per employee. The employee contributes the remainder from his or her pay. There are often fewer rules about how much you should contribute toward the premiums of your employees’ dependent spouses or children, but consider the burdens they may face when it comes to covering their families under your new plan. The contributions you make towards employee premiums may seem expensive, but remember that your contributions toward their monthly premiums are generally deductible from your business taxes. Work with a licensed tax professional to better understand what the tax deductibility of employee health insurance premiums may mean for you.

3. Decide if it makes sense to pay more up-front and less when sick, or vice versa

In addition to the monthly premium that must be paid to maintain coverage, there are also expenses which come into play when covered medical care is actually received, such as copayments, deductibles and coinsurance. Health insurance plans with lower monthly premiums tend to come with higher shared costs, while plans with higher monthly premiums tend to come with lower shared costs. If your employees seldom visit the doctor and don’t use prescription drugs on a regular basis, a plan with a lower monthly premium and higher cost-sharing may make sense — as long as they can afford to pay their deductible in an emergency. On the other hand, if prescription drugs taken on a regular basis and visits to the doctor are frequent (i.e., chronic conditions) you might be better off with a plan that has higher monthly premiums but lower copayments, deductibles and coinsurance.

4. Consider whether you’ll offer vision and/or dental care

When shopping for a group health insurance plan, you may also want to consider dental insurance or vision insurance. These insurance products are generally purchased separately, but you may be able to purchase them at the same time. When you add vision and dental insurance to your group health insurance plan, you’re offering your employees a valuable total benefits package. Some employers feel that offering a strong benefits package helps them hire and retain the best workers.

5. Learn as much as you can about ALL your options

When shopping for a group health insurance plan, it’s a great idea to work with a licensed health insurance agent. A licensed agent can show you coverage options from different insurance companies in your area and answer your questions about the coverage offered under each. Licensed agents can also provide you with the personal help and advice you need to make an informed decision, and it never costs anything extra to work with an agent. When you’ve picked a plan, your licensed agent can then help you enroll your employees in coverage, plus help you review new coverage options in your area when your annual enrollment period comes around each year, to make sure you still have the best plan for your personal needs and budget.

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Online quoting available only for small businesses (2-50 employees).
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