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Health Care Benefits and Coverage Options for Businesses

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Businesses in Virginia

  • Guide to Health Insurance Options for Small Businesses in Northern Virginia
    Includes charts comparing health plans, employee cost sharing information, and comparing other health benefit options specific to the Northern Virginia region.
    http://www.hlc.org/PA_HEALTH_GUIDE.pdf (pdf)

General

  • Business Owner's Toolkit - Total know-how for small business: COBRA Benefits
    If you have 20 or more employees, you are subject to a law known as the Consolidated Omnibus Budget Reconciliation Act of 1985, better known as COBRA. COBRA requires employers to offer individuals who would otherwise lose benefit protection the option of continuing to have group health care plan coverage. Learn about which employees are eligible, which benefits are covered, who pays for it, what your communication duties are, and what administrative issues are associated with COBRA.
    http://www.toolkit.cch.com/tools/inicob_m.asp

  • Business Owner's Toolkit - Total know-how for small business: Flexible Spending Accounts
    Find out basic information about flexible spending accounts (FSA's). FSA's allow employers and employees to use pretax dollars to pay for certain health care and dependent care expenses. 
    http://www.toolkit.cch.com/text/P05_4556.asp

  • Business Owner's Toolkit - Total know-how for small business: Health Care Benefits
    Should you offer a health plan? What are the pros and cons? How do you find and choose a benefit provider? How do you negotiate health plan contracts? What does administration of health benefits entail? Find answers to these and other questions.
    http://www.toolkit.cch.com/text/P05_4428.asp

  • Business Owner's Toolkit - Total know-how for small business: Medical Savings Accounts
    Medical Savings Accounts (MSA's) allow employees to make tax-free contributions to an account that can be drawn upon to pay for medical expenses. Learn the basics of how MSA's work.
    http://www.toolkit.cch.com/text/P05_4475.asp

  • BusinessWeek Online Health Insurance Buyers Guide
    What type of coverage should I offer - tradition, HMO, PPO? What do I need to know about finding a broker? What should I know about health plan pricing? What types of policies should I avoid? Find answers to these and other questions.
    http://businessweek.buyerzone.com/benefits/health_insurance/buyers_guide1.html

  • Guide to Health Insurance Options for Small Businesses
    Comprehensive information about the basics of health insurance, alternatives to traditional insurance, options if an employee or dependent is ill, and an overview of federal and state health insurance regulations related to consumer protection.
    http://www.hlc.org/BusinessGuide.pdf (pdf)

  • Health Benefits Education for Small Businesses
    Memorandum regarding health insurance tips for small business leaders from Elaine L. Chao, Secretary of Labor.
    http://www.dol.gov/ebsa/Newsroom/ltrhealthinsurancetips.html

  • HSADecisions.org: Health Savings Account Official Web Portal
    Helps to educate consumers on Health Savings Accounts (HSAs) by offering a "one stop shop" for consumer friendly information on HSAs and on the lower-premium, high deductible insurance plans required in conjunction with them. Also provides a source for consumers to identify companies offering HSA-related products in their state. On this website, there is an online Learning Center cosponsored with the U.S. Small Business Administration that contains educational materials and features an online library and glossary to help consumers and small businesses better understand available HSA options.
    http://www.hsadecisions.org/default.asp

  • What Health Insurance Pools Can and Can't Do
    Examines the role of insurance pools in providing access to lower-cost insurance options for some uninsured Californians.
    http://www.chcf.org

If you would like to submit names and links to other health care benefits information and options for businesses, please e-mail us at InsureMoreVirginians@vdh.virginia.gov.

Last Updated: December 5, 2005