Small Business and Group Insurance

Major Medical—comprehensive insurance for a group of any size. These include deductible options from $0 to $8,000. PPO and HMO networks available. More about Major Medical

HSA Qualifying Major Medical—comprehensive, high deductible medical insurance that qualifies for a health savings account. Health savings accounts offer some tax advantages when depositing funds and when withdrawing funds to pay qualified medical expenses. For 2008, an HSA-qualified plan must have a minimum of a $1,100 deductible for a single person and $2,200 for a family. More about HSA

Dental—insurance designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, and other providers of dental services.

Vision—insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage for eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.

Disability—insurance coverage that pays you when you’re unable to work for an extended period because of an injury or other medical condition. Coverage for small groups includes short- and long-term. Short-term disability covers the first day up to one year.

Business Expense—insurance that will reimburse you for fixed business expenses that continue to be incurred while you are unable to work because of a sickness or injury. It assures that both your business and personal finances are protected. Benefit payment is usually excluded if you suffer a sickness or injury as a result of: war or an act of war; a self-inflicted act; or uncomplicated pregnancy.