Slashed Premiums, First Dollar Health Plan Coverage for Small Business Owners.
Call 248-651-2340 to find out how!
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Get a plan that really slashed the premiums!
Each insured member gets a "medical credit" to help pay for health care. It can help cover many eligible health care costs, from office visits to the ER. The medical credit is up front coverage, so it applies before the deductible (we like to call it a "pre-ductible"). Whether it's for an ear ache, stitches or a broken bone, you cover the copayments and the medical credit can help pay for the rest. For most small business employees, the medical credit could be the only coverage they use in a year! |
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The number one concern for small-business owners is the cost of health care.1 This plan was built with low premiums in mind. We believe small businesses shouldn’t have to pay outrageous amounts for health insurance. We think you’ll agree. But this plan isn’t just designed to have low premiums. We think your company should get more for your money, too. Here’s what we mean.
How Insurance Works
Some employees don’t get anything out of their insurance plans. They pay for their health care without help from their health insurance, because they don’t get past their deductibles. Let’s say you have a company with 10 employees and you have a typical high-deductible health plan. Chances are, only one of your employees will take advantage of the major insurance coverage (maybe because of a heart attack or an accident). What do the other nine get? Well, they get to pay premiums all year so one person can have surgery. That’s just the way high-deductible insurance works. Since most employees never meet their deductibles, they cover their own costs year after year.
This plan is different.
Get What You Pay For
We discovered 60 percent of small-business employees spend less than $1,500 a year on health care.2 It’s often for things like ear infections, broken bones, routine checkups, etc. So we designed our plans to help pay for most of those costs—before the deductible! With this plan, everyone can get something from their insurance plan. Keep reading to find out how we do it. It’s good when your insurance helps pay for an unexpected heart attack. It’s even better when it helps pay for everyday health care, too. This plan does both.
1Robert Wood Johnson Foundation, Small Business Research 2008
2Based on a national sample of UnitedHealthcare small-business claims data from March 1, 2010–February 28, 2011.
How Insurance Works
Some employees don’t get anything out of their insurance plans. They pay for their health care without help from their health insurance, because they don’t get past their deductibles. Let’s say you have a company with 10 employees and you have a typical high-deductible health plan. Chances are, only one of your employees will take advantage of the major insurance coverage (maybe because of a heart attack or an accident). What do the other nine get? Well, they get to pay premiums all year so one person can have surgery. That’s just the way high-deductible insurance works. Since most employees never meet their deductibles, they cover their own costs year after year.
This plan is different.
Get What You Pay For
We discovered 60 percent of small-business employees spend less than $1,500 a year on health care.2 It’s often for things like ear infections, broken bones, routine checkups, etc. So we designed our plans to help pay for most of those costs—before the deductible! With this plan, everyone can get something from their insurance plan. Keep reading to find out how we do it. It’s good when your insurance helps pay for an unexpected heart attack. It’s even better when it helps pay for everyday health care, too. This plan does both.
1Robert Wood Johnson Foundation, Small Business Research 2008
2Based on a national sample of UnitedHealthcare small-business claims data from March 1, 2010–February 28, 2011.