Health and Benefits 101

Health and benefits insurance hero

Question 8

How do you choose the right H&B coverage?

Shop around for Health & Benefits coverage just as you would for any other business purchase. Ask questions. Compare pricing. Align your needs with an affordable product that best represents those needs.


H&B Checklist:

  • Focus on the types of coverage/plans your business and its employees prefer

  • Know how much you and your employees expect to spend for coverage

  • Ensure the plan includes medical providers and hospitals you would use

  • Select plans from carriers you prefer (such as “household name” companies)

  • Know what level of support you expect from a broker or carrier

  • Choose plans that meet ACA standards

Mistakenly leaving employees out of the plan can be costly; for example, the exclusion of part-timers or failing to offer benefits to custodial staff. Before setting up any benefits plan, consult a lawyer or a benefits consultant to help ensure you are extending benefits to everyone required.

Next Question: How do you manage your H&B coverage after purchase?

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