Denton Small Group Health Insurance

When starting a small business, we at Denton Commercial Insurance understand the amount of stress and unfamiliar circumstances surrounding you. We are here to help when it comes to your small group health insurance plan. Just call us at (940) 220-6112 or fill out the form on the right and we can help you complete this important step in starting your business.

Health insurance is one of the biggest draws for potential employees to consider coming to work for your business. By providing good benefits to your workers, you raise workplace morale and your business will be more successful. Also, your employees will likely be more loyal and will support your business more passionately. 

small group health insurance: frequently asked questions

How many employees do I need to get small group health insurance? In order to qualify for a small group health insurance plan, a business must have less than 50 employees. If your business has over 50 employees, your business needs large group coverage.

What are the types of small group health insurance plans? There are three common types of small group health insurance plans:
  1. High deductible health plans, which have a high deductible before the insurance kicks in, but have lower monthly rates. These types of plans may be more useful to you if you are mainly looking for coverage in case of a disaster.
  2. Copay only plans: These plans have no deductible, but employees pay a certain amount (copay) when they receive medical attention. These plans are useful if you and your employees prefer predictable bills.
  3. Traditional plans: These plans combine copay, deductibles, and coinsurance elements. The copay and deductible amounts are usually less expensive than the first two types of plans, but the monthly bill will be higher.
Other types of coverage we offer:
What about dental and vision insurance? Dental and vision insurance are not usually offered in a typical small group health insurance plan, but they can be added separately for an additional cost. Some of our providers can also provide bundle deals, where these categories are "added on" to your existing plan. Offering these additional benefits will help you to find employees for your business.​​

Why is small group health insurance so important? There are several reasons why selecting a good small group health insurance plan for your business is crucial to success. Firstly, employees are more likely to feel satisfied and stay with your company if you offer good health insurance. Also, there are numerous tax benefits that providing health insurance can attain. You can reduce payroll taxes, and employees can pay their part of the monthly premium before taxes are deducted from their paychecks.

What are the benefits of offering small group health insurance? There's a long list of benefits for offering your employees small group health insurance. Some of them are:
  1. Cost effectiveness: Group plans cost less on a monthly basis than individual health insurance.
  2. Employee job satisfaction/Morale: Employees with good health benefits are more likely to stay with your small business. Their quality of work is likely to be better than workers who have no health benefits, and workplace morale will increase. 
  3. Healthier workers: Logically, employees who are healthy enough to consistently come to work are more beneficial to you as an employer. If you offer affordable health insurance to your employees, you will have a more consistent workplace.
  4. Goodwill: As a small business owner, you should provide for your employees. The practical benefits of small group health insurance are numerous, but the simple kindness of prioritizing your employees' health will be sure to boost your business's success as it grows.
​​Call us today at 940-220-6112 to find out how our Denton Business Insurance Agency can help you protect your Denton Business!