It’s never a question of if we’ll get sick or become injured. It’s always a question of when. And since there’s no way to predict, the best solution we must have to avoid the financial stress of healthcare is to always have health insurance. Thanks to subsidies from the federal government and employee health coverage, insurance doesn’t have to be out of reach. You may just need help finding the right Ohio Health Insurance plan.
Individual health insurance plans are available for self-employed people or those who do not have access to employer-provided insurance. The type of plan you choose depends on your current and future healthcare needs.
- High deductible plans are great for people who use medical care infrequently. If you rarely see a doctor, other than for the occasional illness or your well visits, this can be an affordable option.
- Low deductible or copay plans are ideal for people who have ongoing medical problems and need to see their doctor frequently.
Standard health plans cover much of the same things:
- Office visits
- Surgical needs
- Hospital stays
- Maternity care
- Mental health care
- Specialized care
Group health insurance plans are available through employers. If you own a business in Ohio and want to offer health insurance as a benefit to your employees, you need a group plan.
Health insurance benefits often include more than the basic healthcare plan. You may also include dental, vision, life insurance, and other benefits. As an employer you may pay a portion of the premiums and ask your employee to pay a portion, too. But everyone gets access to more affordable plans as the costs are spread across multiple employees and a larger pool.
You get the benefit of offering an attractive benefits package and helping your employees stay healthy. Health insurance is one benefit that can help recruit and retain great people at your company. Not only is it the right thing to do, but health insurance is an investment in your own business.
When you’re ready to add health insurance to your benefits package or if you want to find a better plan for your employees, SFM Insurance can help. Contact us today to discuss available health insurance options for yourself or your employees.
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Additional Coverage to Consider
Life Insurance can be purchased in two ways -- as an individual or as part of a group policy, usually through an employer. However it’s offered, it’s an important step in securing your family's future.