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Medical / Dental Insurances

Good Afternoon,

We have a small company based in Houston where the employees arrange their own medical and dental insurances.

We are growing the company and would like to find out more in providing this benefit for the US office to see if this would be more cost effective than the employee arranging their own cover.

I wondered if anyone had any experience and could recommend any companies?

Thank you

Claire

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  • Hi Claire,

    I've previously used Aetna, United Healthcare and Cigna for medical and dental, and VSP for optical, but the plans and networks you are offered will depend on the number of employees you need to cover and where they are based.  The US benefits market and legislation can be complicated, so I'd recommend considering a broker to get you the best deal and advise on structures.

    Some things to consider are what kind of plan you want to offer (HMO, PPO, POS), how you split the premium between the company and employee and what levels of deductible / co-pay you want to include.

    You'll also need to comply with COBRA legislation on continuation of medical cover after termination of employment (expenses are paid by the ex-employee, but there are administrative requirements).

    Hope this helps,

    Julia