Health Insurance
Group health insurance is one of the most important benefits a small business can offer employees. It may help employers attract and retain qualified people while giving employees access to health coverage through an employer-sponsored plan.
Zimmer & Associates helps small and growing businesses in Michigan evaluate group health insurance options based on their workforce, budget, goals, and renewal timing. We serve employers in Reese, the Thumb of Michigan, and surrounding communities.
Plan availability, eligibility, participation requirements, networks, prescriptions, deductibles, copays, out-of-pocket costs, and employee contributions vary by plan and employer. Our role is to help you understand the available choices and compare the tradeoffs clearly.
Ready to review your options? Request an Employer Benefits Review or call Zimmer & Associates at 989-868-4291. We can help organize the questions before you make a benefits decision.
Questions small employers often ask
Can a small business offer group benefits? Options depend on the employer, workforce, plan availability, eligibility, participation, and budget.
What should an employer review before renewal? Review plan design, employee and employer contributions, networks, prescription coverage, participation, and upcoming workforce changes.
61% of U.S. firms with 10 or more employees offered health benefits to at least some employees. For small businesses, evaluating group health insurance can be an important step in building a competitive employee-benefits strategy.
Dental insurance helps save your employees money because:
- Plans generally cover 100% of preventive care, such as routine dental exams, X-rays and cleanings.
- Preventive care keeps costs down by identifying oral health problems before they become expensive to fix.
- In-network dentists often agree to charge lower fees.
- Dental insurance provides pre-tax savings when offered through payroll deduction.
Businesses can get a positive return on their affordable investment.
If you’re wondering if you can afford to provide this valuable benefit, consider that there are dental plans that cost less than $1 per day per employee. There are flexible coverage choices to fit most budgets, with plans that range from basic to comprehensive. Your options also include voluntary (with employees paying all or part of the premium) and employer-paid plans. In addition, you may receive a tax credit if you pay 50% or more of the costs and have 25 or fewer employees.
Dental insurance can pay off for employers because:
- When employees enjoy good oral health, they are more likely to be productive and miss less time at work due to oral health issues. Workers miss more than 92 million hours of work annually due to unplanned dental visits.
- Offering dental insurance will also make your workplace more attractive to prospective and current employees. Better health, dental and vision insurance are factors for 88% of workers when considering a job offer. Job satisfaction is also higher at businesses that provide dental insurance.
Insurance Options:
Group Vision
Providing Vision Insurance has more benefits than meets the eye. For a relatively low cost, you can provide a comprehensive vision package that includes coverage for exams, glasses, contact lenses and many other services. According to the Vision Council of America, approximately 75% of adults use some sort of vision correction. About 64% of them wear eyeglasses, and about 11% wear contact lenses, either exclusively, or with glasses. Vision insurance is a great way to show your employees you care about their overall well being.
Group Life Insurance
46% of Americans do not have life insurance. In most cases, the cost of group coverage is far less than what the employees or members would pay for a similar amount of individual protection. This is a fantastic way to express your appreciation for your employees and their loved ones.
Group Disability Insurance
Disability insurance provides employees with partial income if they become too sick or injured to work. But we believe disability insurance should go further than income protection, by helping to support the physical and mental well-being of employees, and helping them return to their best possible levels of health and productivity. Did you know, nearly 40 percent of full-time workers, or 50 million Americans, have no disability insurance at all.
What’s more, 8 in 10 people with no disability insurance said they have not yet fully recovered financially from their disability leave.In general, there are two types of disability insurance: Short-term disability insurance helps employees immediately after an event, while long-term disability typically starts after six months and can last years. Plans can be offered on an employer-paid, contributory or voluntary basis at little or no cost to your company.
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That’s the most important question to our team.
Our team needs to know where you are to help you get where you want to go.
There’s rarely one way to get from Point A to Point B. We provide the pros and cons for each scenario and helps you make a retirement income plan for your individual situation. Our team gives you the tools. It’s your job to make the decisions.
Everything leads up to this point. You have to execute on what you agreed on with our team or nothing happens. We will encourage you to follow through, stick to your retirement income plan, and keep making progress toward your goals.
Change is constant. As times evolve, so might your needs. Our team will work with you to update your retirement income plan as needed, to analyze new information, and to make sure you’re happy with your services and products.
