6) Be aware of plan restrictions like pre-existing conditions
A good small business health insurance plan can protect your employees from paying exorbitant out-of-pocket costs when they’re in need of medical care. But you should be aware that each plan has a list of pre-existing conditions which they won’t cover. If you have an employee with one of these conditions, you should make sure their treatment is covered under your personal health insurance policy until they are able to get on your group health plan.
7) Consider dental benefits
If you don’t have dental coverage on your small business health insurance plan, consider adding it. The Centers for Disease Control and Prevention (CDC) estimates that 1 in 4 adults aged 65 or older have lost all their teeth. If you’re lucky enough to still have your chompers, think about how great it would be to keep them for a lifetime without having to pay an arm and a leg—yes, there are affordable dental plans out there!
