Health Benefits Program
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Today, there are 250 million Americans that have coverage either through their employers, government sponsored programs, or individual sponsored coverage. However, 45 million Americans do not have health insurance. As a result of this large gap in those who are not insured, a new health care reform bill was passed in 2010. From Fortune 500 companies to 2 person armies, 63% of employers offered health benefits in 2008. The health benefits offered by employers include medical insurance, dental insurance, vision plans, group life insurance, and disability insurance plans.
The US spent $2.26 trillion on health care in 2007. If we were to divide that amongst the US population, it would be $7,439 per person. The costs of health care coverage for small and large businesses are significant. Over the last 10 years, the cost of health insurance has more than doubled. Carriers like Anthem Blue Cross, Blue Shield, Kaiser Permanente, and Aetna have seeked ways to help continue to provide health care at an affordable price. Still more needs to be done to stay ahead of the rising trend of health care costs and health insurance premiums. At Navali & Company Insurance Services, we take pride in making sure your dollars are spent wisely and that your health program is not a burden on your business but a great benefit for your employees.
Navali & Company Insurance Services will perform a full benefits audit of your firm and evaluate what group health insurance program makes the most sense moving forward. Small and large group health insurance is our core business and we fully understand the changing needs of our clients. We work with all the major healthcare providers within your particular market. In addition to the health insurance audit, it is important to review the entire benefits package, which includes dental insurance, vision plans, group life insurance, and group disability insurance plans. Many times carriers like Anthem Blue Cross and Blue Shield of CA provide additional discounts to companies when they combine the health insurance, dental insurance and group life insurance under one carrier. Also, to save on individual insurance, please click here.
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Here are a few of the health insurance carriers we work with:
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