Business and Group Insurance Plans
As an owner of a company, one of the great things that you can do for your employees is to offer them a benefits package that will give them peace of mind knowing that they, as well as their families, are taken care of into the future. As such, you will want to give them something that covers their needs, and allows them to know that their insurance, and by extension you, have their backs when they need it. The best way to show this is by offering a customizable insurance plan that is both affordable and provides adequate coverage. With the help of Ryan Branden Insurance, you can do just that.
If you own a company that employs more than 50 people, you are legally required to offer affordable health insurance for your staff. It is important to note that health insurance for groups and businesses can be purchased at any time, and there is no enrollment period of any kind. The main thing is that you want to be able to weigh your options, which means you need to decide how much coverage you want and what you want included in that coverage, and leverage those needs against the cost that comes along with it.
With the help of an insurance broker, like those found at Ryan Braden Insurance, you will be able to explore your options better than you could on your own. An insurance broker will know the ins and outs of how these insurance companies operate, will know what options provide the most bang for your buck, and can help you make sure that you are fulfilling your legal requirements. Furthermore, there are certain other aspects that you need to consider, such as:
• What percentage are you willing to cover for your employees?.
• Will you allow your employees to cover their entire family through the plan?.
• Will you offer more than just standard health insurance in the plan, such as vision and dental?.
Naturally as a business owner you care about your employees and want to offer them everything you can. However, it is vital to understand that everything you decide to add to your insurance plan also adds to the cost. There will be a certain point where it is no longer an affordable option for anyone involved. Because of this, you need to take your time and look at all the options you have.
If your company has less than 50 employees, the most common type of insurance that most small business owners opt for is Small Group Insurance, also known as Fully-Funded Insurance. Under this plan, the costs for each individual member is typically reduced, because the risk that insurers place on the policy is spread throughout the entire group. You as an employer can choose to cover a portion of that cost yourself, or have your employees pay for all of it. Here, most employers opt to pay for at least a portion of the cost.
There are a wide variety of options available to you under this plan. You can opt for an HMO or PPO, high or low deductible, and what tier you would like to purchase for your group. Tiers typically come in Bronze, Silver, and Gold, with Bronze costing the least but also covering the most, and Gold costing the most while also providing the most coverage.
This is a big decision, as the welfare of you and your employees are at stake. Because of that, you should take the time to research it fully, and get the help of an insurance professional at Ryan Braden Insurance.
Individual and Family Health Insurance
In today's world, it is so important to have health insurance. For individuals and families, you will be looking for affordable health insurance options, especially if you are not offered anything from an employer. We can show you plans and coverages that will nicely fit into your budget.
There is a lot to know when signing up for individual health insurance. Individual health insurance companies have designed plans for anyone who cannot obtain their health insurance through an employer. You never know when medical care will be necessary, so it is best that you plan ahead. However, that does not mean that you need to spend all of your money on insurance. At Ryan Braden Insurance, we make sure to find the best deal for you, unlike some other health insurance companies.
Whether you are in your 20s looking for a low-cost, catastrophe-only plan with low out-of-pocket costs, or you have a family you wish to insure with group insurance plans that will not break the bank, we can find them for you.
Our agency offers health insurance to individuals and families. These plans will provide you with extensive coverage, as well as high-deductible programs, which are designed to protect you and your family in the event of catastrophic financial losses. Because we are an independent agency at Ryan Braden Insurance, we can offer you plans from two of the finest health insurance companies in the nation.
With health insurance always changing, we are always on the lookout for the best quality and service-oriented insurance companies for all of our clients. Take a look at these two insurance carriers, both of which offer numerous plans and options for their customers.
Blue Cross Blue Shield of Illinois
At Ryan Braden Insurance, we stand behind every company we work with. We are proud that we can offer you affordable health insurance that you might not find elsewhere. This is our top reason for trusting Blue Cross Blue Shield of Illinois, to provide our clients with the highest in customer care and service.
Blue Cross Blue Shield health insurance is some of the best in the nation. When it comes to individual or group health insurance with Blue Cross Blue Shield providers, we know you will enjoy the peace of mind that comes with good health insurance coverage. It does not matter what your situation is, our agency is here to help you navigate your way through all of the options and coverages that Blue Cross Blue Shield of Illinois can offer you.
When you work with us, you will soon see that our goal is to help you find your exact insurance needs. Then, we work to find you the best competitive price for your plan. Furthermore, if you live in Illinois you know that Blue Cross Blue Shield provides the very best in health insurance coverage.
Humana Insurance
For those who are turning 65 and looking for supplement plans going forward, one of the best options is Humana health insurance. You can choose from varying types of Medicare coverage in your area.
When it comes to health for the elderly, it is hard to find better than a Humana health insurance provider. You will also find competitive prescriptions plans and Medicare supplements that help with dental, hospital, vision and more.
At Ryan Braden Insurance, we take pride in offering you Humana medical insurance. We will find you the best coverage at the best rate for you. No matter your situation, our agency will help find you all the options available, so you can make the best choices for your next Humana insurance plan. There are many options, and you will not be aware of all of them. That is why you need the expert advice from people who work with health insurance carriers every day and are a Humana insurance company that can help you get the coverage you need for your golden years.
