As a small business owner, you know how important it is to keep your employees happy and healthy. Unfortunately, daily tasks are often so demanding that you do not have the time to make sure your employees are getting the best health insurance benefits possible. Lucleon Insurance Agency takes the hassle out of managing the company health insurance policy, from start to finish.
By working with a local small business health insurance agency like Lucleon Insurance, your employees receive the personal hands-on help they need to successfully manage their health insurance benefits. And you get a chance to take care of what really matters, your business. At Lucleon Insurance, we do the legwork and shopping around until we find an affordable policy that perfectly fits to the needs of your team. We also become the point of contact for any questions your employees may have about their coverage. Even before calling the insurance carrier, they can call Lucleon Insurance to better understand their health plan and learn how to utilize it for optimal benefits. In the long run, small business health insurance can be beneficial for your business by:
All small businesses with 4 to 50 employees are eligible for small business health insurance. No matter what industry your business represents, Lucleon Insurance can provide you with a quality health insurance plan. Our agency proudly provides health insurance solutions for:
Lucleon Insurance Agency covers all industries, with every type of business health insurance, to help keep you and your employees protected from a wide range of incidents. From fires and hurricanes to cyber-attacks and employee accidents, we’ve got you covered!
No matter what type of health insurance your business needs, Lucleon Insurance can find you the most appropriate plan at an affordable price. Before you purchase or renew your businesses group health insurance, call Lucleon Insurance to assess your employee’s health insurance needs. We can help you plan their policy, with coverages including:
Large companies commonly use self-funding to control benefit costs. Now, small businesses can also take advantage of self-funding with self-funded healthcare plans for small businesses. These self-funded health plans are similar to the healthcare plans offered by larger companies. Monthly payments are made based on the health trends of your employees. When healthcare costs are lower than expected, your small business gets back a percentage of the premium funds. If healthcare costs are higher than anticipated, your business is protected with stop-loss insurance. Self-funded healthcare plans are generally not subject to state mandates, saving you additional money that would be spent on taxes and fees.
The benefits of a self-funded health plan may include:
As the owner of a small business in Florida, you could save up to 25% on the upfront cost of premiums for healthcare plans. Traditional plans charge small businesses a fixed premium but self-funded plans are underwritten with premiums based on the estimated health care claims of your employees. If healthcare costs are less than estimated, you get a percentage of the surplus. With the opportunity to get premium money back with the surplus sharing benefit, long-term savings are also possible.
Lucleon Insurance Agency can help you find the right self-funded health plan for your small business at an affordable cost. For the health of your employees and the health of your business's bottom line, talk to Lucleon Insurance about a self-funded health plan by calling (850) 361-2882 or by filling out the quote form on this page.
For more information, view the brochures on self-funded plans by Aetna and UnitedHealthCare below.
Your employees are your greatest investment. And health insurance is a critical factor in retaining and recruiting employees for your small business, as well as maintaining productivity and employee satisfaction!
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