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Employer Coverage

Providing your employees medical coverage they can provide on is a must in today’s world! Brownell Insurance Center has the options you seek.

Employer Coverage

Business insurance can be complex, especially when it comes to providing a variety of coverage options to your employees.

 

At Brownell Insurance Center, our team of professionals has the experience, knowledge, and resources to extend premium coverage options for small and large businesses.

  • Employee Health Insurance
  • Short Term and Long Term Disability Coverage
  • Group Life Insurance
  • Dental and Vision Coverage
  • HSA Plans

 

Affordable Care Act

As part of the Affordable Care Act starting in 2014, all Americans must have minimum health coverage or be taxed by the government. The law also requires each state to have a health insurance exchange where people can buy health insurance coverage. Individuals who can not afford, or are not able to obtain health coverage through work, may be able to purchase it through the exchange. The exchanges do not replace buying health insurance privately, they are simply a new way to shop and by.

 

Form 1095-A

If any employee is enrolled in a Marketplace plan, they should receive Form 1095-A, Health Insurance Marketplace® Statement. This form includes information about Marketplace plans anyone in the household was enrolled in and comes directly from the Marketplace, not the IRS.

 

Dental and Vision

At Brownell Insurance Center, our professionals work closely with New Hampshire’s most trusted dental provider, Delta Dental, to provide the best possible dental care at the best possible pricing.

  • Individual Dental Insurance
  • Family Dental Coverage

Plans provide a range of deductibles, reimbursement coverage, and service options. From routine annual cleanings to orthopedic coverage, our agents will create a customized plan based on your needs!

 

Health Savings Accounts

As an added benefit to your staff, providing the opportunity to invest in an HSA often proves helpful. An HSA can help pay for, or get reimbursed for, various health care expenses including, but not limited to:

  • Medical Expenses
  • Dental Expenses
  • Vision Services and Prescriptions
  • Pharmacy Expenses
  • Co-Payments

Qualified expenses vary and a person may be penalized for non-qualified use of funds. Please contact Brownell Insurance Center today to learn more.

 

Helpful Resources

Starting the journey of finding health options for your employees can quickly become overwhelming. Please take a look at the below resources to learn more and, as always, contact our office with any questions!