Our goal is to provide you with clear information so that you can make informed, confident decisions about your healthcare insurance plan.
We will guide you through your options so you make the right decision for you and your loved ones.
1) Flexible Eligility
Employers with 50 or fewer full time equivalent (FTE) employees can obtain coverage through Access Health CT Small Business; sole proprietors cannot obtain coverage. While you must offer coverage to all full time employees (employees who work an average of 30 hours per week), you can elect to offer coverage to part time employees.
2) Small Business Tax Credit
Tax credits may be available on your contribution to your employees' premium:
□ Small businesses - up to a 50% tax credit.
□ Non-profit Organizations - up to a 35% refundable tax credit.
Credits are only available for health plans purchased through Access Health CT. To qualify your small business must:
□ Have fewer than 25 full time equivalent (FTE) employees*;
□ Contribute at least 50% of each employees insurance premium; and
□ Pay an annual average wage of about $50,000 or less**
* The small business owner and any immediate family members who the owner may employ are excluded from the employee count.
** The small business owner's and immediate family members' annual wages are not included in the average wage.
Compare plan design features (e.g. cost sharing for prescription drugs, office visits and plan deductibles).
There are no administration or membership fees and you can choose the specific health or dental plans you want to offer your employees.
Choose a plan selection strategy that best meets your employees' needs.
□ Vertical Choice - Access to all plans that are available from the insurance company.
□ Horizontal Choice - Access to plans in one metal level.
□ Single Choice - Employer chooses one plan for the group offering.
Access Health CT Small Business offers four metal levels of coverage and a variety of plans, including Health Savings Account (HSA) plan design options. We also offer plans that provide services not subject to the plan deductible, such as physician office visits or laboratory services.
THERE IS A CHOICE OF EIGHT DIFFERENT PLANS AVAILABLE THROUGH ANTHEM BCBS FOR 2017.
Set a defined dollar amount or cover a percentage of your employees' premium costs which allows you to have a fixed annual health insurance budget.
Access Health CT Small Business uses universal enrollment forms. You will also receive an itemized bill.
□ Access Health CT Small Business offers flexibility, choice and convenience of an online or paper application.
□ You can join at any time of the year, regardless of when your current group insurance renews.
□ Using our "Defined Contribution Strategy" can save you time. It also offers more financial predictability because the amount you contribute is decided up front; your employees choose the plan that best fits each of their individual financial and health needs.
□ Your employees' contributions towards premiums are pre-tax for them.
Health insurance coverage may also be offered to your part time employees at your discretion.
Below are examples of how your business can save. For-profit companies will receive the tax credit when annual taxes are filed, while the credit is refundable for tax exempt companies.
Visit Access Health CT to use the free health insurance tax savings calculator by clicking button below
Confused by all the health care options available to you and your loved ones?
Overwhelmed by the complexities of Medicare, Medicare Advantage, Medicare Supplements and other choices?
Do you want the comfort of having the confidence that you have a comprehensive healthcare plan in place for you and your loved ones?
Call or visit your local Main Street Insurance office to learn about:
■ Medicare Advantage coverage
■ Medicare Supplemental Insurance
■ Medigap Insurance
■ Medigap plans
■ Prescrition drug plans
■ Medicare Part C & Medicare Part C plans
■ Medicare Part D & Medicare Part D plans
■ Senior health plans & more.
Click image to right or click below to download and complete the Health Insurance Census Form and we will give you a no cost, no obligation quote on health care for your employees!
You can return the completed Health Census Form to us via email at firstname.lastname@example.org
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