Benefits of Small Employer Health Insurance in Texas

In Texas, small employers are not required to present health insurance to their workers. Employers who decide to provide the service are supposed to make it available to those employees who are working 30 hours or more in a week. The law that governs health insurance Texas companies classifies small employers as those who run business that employs two to 50 employees. Most insurance companies need at least 75 percent of the small firms to participate in the health plan. The insurance companies that offer small employer coverage are supposed to make it accessible to organizations who apply anytime during the year, but the employers who do not meet the bare minimum requirements have their enrollment period limited from November 15 to December 15 yearly.

Types of Plans
Health Insurance Texas is supposed to cover primary care benefits. The regular package of services that are covered include the ambulatory patient services, hospitalization, emergency services, prescription drugs, mental health services, rehabilitative services and devices, chronic disease management, pediatric services, and laboratory services. These vital health benefits are based on a plan that has been adopted by the small employers in Texas.

Coverage
The employers should grant their staff a period of one month after employment to enroll in health insurance. After the expiry of that period, the recruits are supposed to wait until the next enrollment period that comes after one year. All health insurance Texas companies are required to provide an open one month enrollment period every year. Several employers require all eligible workers to wait for 90 days to qualify for insurance benefits. Health Insurance Texas laws also allow the workers to retain numerous benefits even after departing from a certain job. Employers are required to enlighten their workers about their right to continual coverage.

Premiums
Employers are not required to contribute towards health insurance Texas benefits premium plan. However, most insurance companies necessitate the employers to give not less than 50 percent of their employees’ plan premiums. If an employer desires to pay a higher premium than the one that has been set by an insurance company, he is allowed to do so. Due to the rising health care costs, premiums may increase each renewal term. Businesses that buy the small employer health insurance Texas plan are protected, and the health insurance Texas companies are not allowed to terminate the insurance coverage without providing a good reason.

Calculating plan premiums
Health Insurance Texas companies determine the amount to be paid by an employer through evaluating the particular benefits package and the cost sharing level chosen. Rates are not affected by the current status of the employee’s health. Health Insurance Texas companies consider factors such as the age of employee, tobacco use, and geographical area. Texas laws permit a group of tobacco users to be charged more than those who do not smoke. Different regions are also charged differently because of the cost of living and the number of providers in that area. Older people are charged more because they have recurrent and costly health-related claims. However, the federal law ensures that seniors are not exploited through exorbitant fees.

Shopping for coverage
A person should consider several factors when shopping for deductibles, premiums, coinsurance, and co payment levels. He should compare diverse plans and rates, evaluate different company’s financial and complaint record, and inquire whether the relevant government authority licensed the company. A person should understand that health coverage for workers is different from insurance for workers’ compensation. The workers’ compensation covers only the injuries and illnesses that are job-related. Although the compensation insurance is not a requirement in health insurance Texas, it is preferred by many employers because it protects them from damage awards that may arise in case of workplace accidents.