Group Health

The changing healthcare landscaping under the Affordable Healthcare Act has employers looking for solutions to balance the benefits of offering a quality healthcare program that helps attract and keep the very best employees and the need to stem rising costs. This means working with a partner that will help you prepare for the changes, and one that can provide guidance on plan alternatives.

Nottingham Insurance is that partner. We can provide you with choices that address your concerns as an employer and enable you to continue to offer healthcare solutions to your employees. These include: traditional employer-sponsored group health insurance, which bundles all employees into one group and doesn’t require a medical examination to qualify. This keeps premiums much lower than those found on the individual health insurance market. And while you bear much of the cost of the insurance policies, there are options that can mitigate employer expenses. You can opt for health maintenance organization (HMO) plans that can provide savings over open plans. There are also preferred provider organization (PPO) plans that transfer some of the costs of care to policyholders if they choose to go outside the in-network providers.

Offering Options

You can also choose to offer employer-paid group health, consumer-driven plans (CDHPs). When done right, CDHPs place more of the financial responsibility for healthcare in the policyholder’s hands through higher deductibles. You may modify traditional group health plans by requiring higher co-pays for higher-cost providers. Alternatively, you can make your health plan premium contributions part of a defined contribution benefit plan.

What’s more, some insurers dovetail wellness programs and health insurance coverage to promote employee health and minimize the need for expensive healthcare services. Many offer call centers, nurse phone consultations, and online information all designed to make plan administration easier and claims more efficient.

At Nottingham Insurance, we have a dedicated group benefits team to help you with all of your group health plan and other benefits needs. We may also be able to assist you in setting up a flexible savings account system to encourage employees to manage their health expenditures wisely on a tax-advantaged basis.

When employees think of top-shelf benefits, they think group health.

At Nottingham, we are the Trusted Choice for personal insurance, financial services, commercial insurance, and employee benefits for businesses, individuals and families in New Jersey and Pennsylvania, including Mercer County, Monmouth County, Burlington County and Middlesex County, NJ, and Bucks County, PA. We have been serving the region for nearly 100 years and invite you to join the Nottingham Insurance family. Call us at 888.879.3844, email us, or come by and visit us.



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