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Looking for a small business health insurance plan that won t cost you an arm and a leg? Here s how to get the best rate with a reputable company.

Small Business Health Insurance

If you own a small business with 2 to 50 employees you qualify for a group health insurance plan. Group health insurance will cost you and your employees much less than individual health insurance, plus contributions to your small business health insurance plan are tax deductible.

Group health insurance rates are calculated on an overall rate for group members who may customize or add additional coverage to meet their needs.

There are two types of health insurance plans that are currently available to small businesses - indemnity plans, also known as fee-for-service plans, and managed health care plans - HMOs, PPOs, and POSs.

Small Business Health Insurance Plans

Indemnity plans - These plans let you choose your own doctors and hospitals. There s a $500 to $1,500 deductible you must pay b (more...)

The philosophy behind insurance as a whole is buying something you hope you ll never need. This is the right mindset you need to have about buying long term care insurance. You hope you never need it. However, if you ever need it, you ll be spared much pain. But for those who still have doubts, consider the following…

Long term care insurance is different from health insurance. Health insurance gives you coverage for your medical expenses. Buying long term care insurance covers you if you ever need to stay in a nursing home need assistance in essential daily activities like bathing, eating, dressing and so on. It also covers you in case you need rehabilitative care.

Although you don t expect the young to enter a nursing home, a young person may require long term care for a number of reasons. A young person may have an accident that will make them require a type of care not covered by any form of health insurance plan. Some diseases like Alzheimers can make any person young or old need (more...)