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Advantages of Group Health Insurance scheme
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[QUOTE="jhon paul, post: 6697, member: 778"] Having group health insurance typically comes from an employer. There are many advantages when compared to individual insurance and those advantage are for both the employee who get the insurance and the employer who offers the insurance. [B]Small business health insurance can save money:[/B] There are a lot of advantages of group health insurance and one of the biggest one is cost savings. This helps the employee who finds that they can afford insurance for themselves and their family but it also helps the employer who wants to give their employees good insurance that they can afford to help with. [B]Lower cost due to a larger risk pool:[/B] Among the advantages of group health insurance for employees it is the higher number of people in the pool group that is getting the insurance. When more people are included, there are more options for more people, generally at a lower price than what would otherwise be available. [LIST] [*]Better insurance plan offered [*]A lower price for insurance plans [*]More coverage of pre existing conditions [/LIST] When you look carefully at the advantages of group health insurance, it is easy to see that there are a lot of reasons to consider it from the employee standpoint. [B]Tax incentives for offering health insurance to employees:[/B] The advantages of group health insurance are not just for the employee. They are also available to the employer, in the form of a small business health care tax credit. This is offered to businesses that give their employees insurance and pay part of their premiums.This is one of the biggest advantages of group health insurance from a employer’s perspective. [B]Positive work environment and happy employees:[/B] Employees that are happy are employees that work hard for the company. That is one of the more subjective or hidden advantages of group health insurance. [LIST] [*]Employees who appreciate their insurance [*]Employees who are about their employer and their job [*]Employees who see that they can build a career at that company [*]Employees who feel valued and appreciated [/LIST] All of those things are pretty important as advantages of group health insurance, and they can go a long way toward making employees and employers feel better about their working relationship. [/QUOTE]
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