Are you a business looking for a group health insurance plan. Here’s how to choose the right plan:

Assess your needs

First, determine what your business needs in an employee benefits insurance plan. Consider the following:

· Who will be covered? Consider the needs of your employees and their dependents to find a plan that will suit the diverse medical and financial needs of the group.

· What kinds of benefits are important for you and your employees? While federal privacy laws prohibit employers from inquiring about employees medical history, it’s important to ask your employees which types of benefits are important to them.

Compare employee insurance benefits options

There are a lot of factors to consider when weighing your business insurance options.

· Monthly premiums: Know what you and your employees will be able to pay on a monthly basis.

· Deductibles, copayments and coinsurance: Ensure these types of payments will be manageable for you and your employees when you receive medical care.

· Medical provider networks: If you already have a preferred doctor or facility, make sure they’ll be included in your new coverage.

Employee benefits insurance enrollment process

· Enrollment is the process of getting your employees and their dependents signed up for your new plan. Once you’ve selected a plan, a Cosmo agent can walk you through the enrollment process.

· During enrollment, be sure to answer all questions honestly and to the best of your knowledge. Though premiums may differ based on medical history of certain individuals, no employee will be declined coverage.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. 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 the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.

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