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Perfect Plan Solutions Small Business Health Insurance Options

Now, more than ever, small businesses have many options when offering health benefits to their employees- either through employer contribution, employee payroll deduction, or a combination of the two.

Perfect Plan Solutions is prepared to help any small business owner navigate through the options available, and determine what plan solutions will make sense for your business!

Our Consultations are customer-service oriented- tailored to meet your needs. There is no cost associated with our consultations and no obligation to enroll in a plan.

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Small Business Health Options:

SHOP (Small Business Health Options Program) Plans

The Health Exchange option for small business owners
For employers with 1-50 employees
Can offer health plans, dental plans, or both
Offer employees one plan, or let them choose from multiple health plan options
Employer chooses how much to pay towards employees' premiums, and whether to offer coverage to their dependents
Take advantage of the Small Business Health Care Tax Credit (For employers with 25 or less employees).
Plans typically cost more than Self Funded Plans

Self Funded (SMART/FARM) Plans Through Anthem

Provided by Anthem, in partnership with the Georgia Chamber of Commerce (GCC), and the Georgia Farm Bureau (GFB)
For employers with 2-50 employees
Self-Funded plans, which are made available through membership with either GCC or GFB, respectively (membership can be obtained after quotes received).
More affordable (usually 40% less) than traditional, ACA small business health plans
Employer contributes 50% of employee health plan premiums
Can offer dental, vision, life, and disability coverage, at discounted rates through Anthem, in addition to health plan (no employee contribution required for additional plans)

Cigna+Oscar Small Business Plans

Provided by Cigna+Oscar insurance companies
For employers with 1-50 employees
Can offer a variety of plan options to employees, with a nationwide network
Offers dedicated support to help your employees find the right doctors and care in their area, plus the tools to search for care
Choose between two networks, LocalPlus® and Open Access Plus, and save on health insurance that fits your team's lives and needs
Employer contributes 50% of employee health plan premiums

AFLAC Small Business Plans

Supplemental plans which pay cash benefits directly to insured's bank account
Now offering competitive small group dental, and vision coverage
For employers with 3-50 employees
Can be offered to employees in addition to, or independent of a healthcare plan.
Employers determine which Aflac products to make available to their employees.
Employees' plan costs are paid through payroll deduction
Employers can choose to contribute towards their employees' plan costs, or they can choose to provide no employer contributions at all.

Benefits of Offering Employee Health Insurance

It's what employees want

Health insurance is the top valued benefit by employees.

It gives you a competitive advantage when hiring

If an employee is choosing between gigs, they might be more likely to join your company over one that is not offering health benefits.

It minimizes sick days

Illness-related lost productivity costs employers $530 billion per year.

It's a smart tax move

Premium contributions are pre-tax, and companies with over 50 full-time employees have to pay a tax penalty for not providing health benefits.

It helps with retention

Employees are less likely to leave if they have great benefits.

It shows that you care

When employees feel that they are cared for by your company, they are more likely to appreciate their job. In turn, their job performance reflects their appreciation.

Get A Quote!

Business Address

Accurate quotes are based on business location

Employees who work 30 hours or more per week

Employees who work less than 30 hours per week

Please indicate how much you plan to contribute towards employee plan premiums?

Please list total hours worked per week by ALL of your part time employees

If you have any general questions about Aflac products or small group health insurance, but are not quite ready to schedule a consultation, Schedule a Call With a Live Agent.