Your Answer To Comprehensive Group Health Insurance Solutions for Arizona Businesses

Your Answer To Comprehensive Group Health Insurance Solutions for Arizona Businesses

In today’s competitive job market, offering group health insurance in Arizona is a benefit and a necessity for attracting and retaining top talent. Understanding Arizona businesses’ costs, coverage options, and legal compliance requirements is essential to building a successful employee health benefits package. Lehrman Group provides everything you need, from the basics of Arizona group health plans to navigating the complex state and federal regulations, ensuring your business remains competitive and compliant.

Choosing the Right Health Insurance Plan for Your Business

Choosing the Right Health Insurance Plan for Your Business

Assess Your Needs:

  • Determine who needs coverage—consider your employees and their dependents.
  • Decide on a cost-sharing plan that works for both you and your employees.
  • Gather input on important benefits, like dental or vision coverage, without infringing on privacy laws.

Compare Your Options:

  • Monthly premiums: Choose a plan with affordable premiums.
  • Out-of-pocket costs: Ensure deductibles and copayments are manageable.
  • Provider networks: Confirm that preferred doctors and facilities are included.
  • Prescription coverage: Review plans for key medications.
  • Additional coverage: Consider vision and dental as add-ons.
  • Enrollment: Provide accurate information—no employee will be denied coverage, though premiums may vary.

Serving Arizona Since 1988

Business professionals reviewing group health insurance plans with Lehrman Group. Get expert guidance on group health insurance in Arizona with Lehrman Group. Ensure the best coverage for your employees today!

How Can We Help You?

Lehrman Group Insurance agents will guide you through the enrollment process.

Lehrman Group Insurance agents will guide you through the enrollment process.

We provide a comprehensive range of ancillary benefits for you and your employees, ensuring all your health insurance needs are met.

We provide a comprehensive range of ancillary benefits for you and your employees, ensuring all your health insurance needs are met.

Medical Policies

Life Insurance

Vision | Dental | Disability

Securing Group Health Insurance for Your Arizona Business

Providing group health insurance in Arizona is a wise investment that benefits your business and your employees. By understanding the costs, coverage options, and compliance requirements, you can select a plan that enhances employee well-being while staying within your company’s budget. Partner with Lehrman Group, a reputable Arizona health insurance broker, and take advantage of the tax credits and benefits available to employers. Ensure your business is positioned for long-term success by offering competitive health coverage to your employees.

Coverage Options for Group Health Insurance in Arizona bt Lehrman Group Insurance Agency. Call for a Quote.

Providing group health insurance for your employees isn’t just a perk; it’s a strategic investment in their well-being and productivity. With rising healthcare costs, Arizona small businesses and corporations must weigh the advantages of offering comprehensive health benefits against the costs involved.

Benefits of Offering Group Health Insurance

  • Attract and Retain Talent: Offering health benefits is one of the top factors employees consider when choosing an employer.
  • Tax Incentives for Employers: Many businesses can take advantage of tax credits and deductions when they provide group health insurance plans.
  • Improved Employee Productivity: Healthier employees mean fewer sick days and greater workplace efficiency.

When considering group health insurance costs, Arizona businesses must account for several factors, including premiums, deductibles, and copayments. Costs may vary depending on the size of your business, the coverage levels offered, and the types of health plans available.

Breakdown of Group Health Insurance Costs

  • Premiums: This is the amount paid monthly for employee health coverage. Employers typically share this cost with employees.
  • Deductibles: An employee pays an out-of-pocket amount before the insurance company covers medical expenses.
  • Copayments: Employees pay fixed amounts for specific services, such as doctor visits or prescription drugs.

Cost-Saving Tips for Arizona Businesses

  • Bundle Ancillary Benefits: Offering vision, dental, and disability insurance as part of your group plan may help reduce overall costs.
  • Work with Multiple Carriers: Partnering with multiple health insurance carriers in Arizona can help you find the most competitive pricing.
  • Tax Credits: Under the Affordable Care Act (ACA), Arizona businesses with fewer than 25 employees may qualify for a Small Business Health Care Tax Credit.

Arizona employers have several coverage options for group health insurance, ranging from basic health plans to more comprehensive packages. Understanding these options will help you select a plan that meets the needs of both your business and your employees.

Types of Group Health Insurance Plans

  • Health Maintenance Organization (HMO) plans often have lower premiums and a focused network of doctors and hospitals, but they may require referrals for specialists.
  • Preferred Provider Organization (PPO): PPOs offer more flexibility in choosing healthcare providers but often come with higher premiums and deductibles.
  • Exclusive Provider Organization (EPO): Similar to an HMO but without referral requirements, EPO plans to restrict coverage to a network of providers.

Ancillary Benefits for Employees

In addition to standard health coverage, many Arizona businesses choose to offer ancillary benefits, including:

  • Dental and Vision Insurance: To cover routine exams and procedures.
  • Life Insurance: Provides financial security for employees’ families in case of unexpected events.
  • Disability Insurance: Protects employees who cannot work due to injury or illness.

Navigating the complexities of health insurance regulations is crucial for Arizona businesses. State and federal laws, such as the Affordable Care Act (ACA), set requirements for offering group health insurance.

Arizona State Laws on Group Health Insurance

  • Minimum Essential Coverage: Arizona law mandates that all group health plans provide essential health benefits as defined by the ACA, including preventive services, hospitalization, and prescription drugs.
  • COBRA: Arizona businesses with 20 or more employees must comply with COBRA regulations, allowing former employees to continue their health coverage after leaving the company.

Federal Requirements: The Affordable Care Act (ACA)

  • Employer Mandate: Under the ACA, businesses with 50 or more full-time employees must offer affordable health insurance that meets minimum value standards or face penalties.
  • ACA Reporting Requirements: Employers must report the annual health coverage offered to employees to the IRS.

How to Choose the Right Group Health Insurance Plan for Your Arizona Business

How to Choose the Right Group Health Insurance Plan for Your Arizona Business

Choosing the right group health insurance plan is essential for cost management and employee satisfaction. Consider these factors when selecting your plan:

Key Considerations

  • Employee Needs: Survey your employees to understand their priorities, such as whether they value lower premiums, wider provider networks, or additional coverage options like dental and vision.
  • Budget: Determine how much your business can contribute to premiums and other costs and balance that with the quality of coverage you wish to offer.
  • Carrier Reputation: Lehrman Group is one of Arizona’s top health insurance brokers. We ensure you are partnering with a provider with a strong reputation for customer service and claims processing and a company that cares.
Lehrman Insurance Group has over 36 years of experience in providing group health insurance to multiple types of businesses throughout Arizona. Call for a Free Quote.

About

Established in 1988 by Tony Lehrman, LehrmanGroup is a leading provider of health insurance plans for Arizona residents and employers.

Locations

Mailing Address
PO Box 17690
Tucson 85731-7690

Phoenix Office
1910 S Stapley Drive #221
Mesa, Arizona 85204

Tucson Office
333 N. Wilmot Road, #340
Tucson Arizona 85711

Contact Us

Toll Free (800) 600-9663
Phoenix (623) 455-6997
Tucson (520) 760-0392