If you are looking for insurance for yourself and your employees, ask yourself some questions.
Who requires coverage?
Review your employees’ eligibility and the eligibility of their family members and those dependent on them for care to create a solid benefits package that will cover the wide array of needs your employees represent.
Which types of benefits are important for you and your employees?
Although it is prohibited by federal laws to inquire regarding employees’ personal and medical history, it is advisable to have a conversation with employees to determine what benefits best suit their needs.
Monthly premiums – make sure you are aware of the amount your employees will be able to afford every month.
Deductibles, Copays, and Coinsurance- Make sure the amount you have to pay for your employees collectively is comfortable within your affordability range.
Medical provider In-network- ensure that any medical professionals, hospitals, or clinics you may need to seek care from, are part of your plan’s network.
At Cosmo, we have specialists on our team who will guide you through enrolling your employees in a plan that fits your company’s needs and budget. It’s important to respond to all inquiries from our team throughout the process with current and correct information. Keep in mind that although premium amounts can vary, depending on each employee’s medical history, however every one of your employees will receive coverage.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.
