What a group plan can include
- Extended health: prescriptions, paramedical, vision
- Dental
- Group life and accidental death & dismemberment
- Short- and long-term disability
- Health spending accounts and employee assistance programs
Small group options
Many insurers offer plans for very small businesses, sometimes starting with only a few employees, including owner-only arrangements. Plan design, participation requirements and underwriting vary.
What to have ready
- Number of employees and eligibility rules (for example, full-time only)
- Employee ages and genders, which insurers use for pricing (no health details needed at this stage)
- Your budget and how cost would be shared with employees
- Current plan and renewal, if any
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.