KLB Insurance & Financial Services provides you with all of the resources you need to get high quality and affordable group health coverage for your business. KLB will prepare a custom designed plan utilizing quotes from the most competitive carriers in the marketplace for your geographic area.
It has been reported that over 60% of the U.S. population that has health insurance receives their health care coverage through an employer-sponsored group health insurance plan. There are definite advantages to obtaining your health insurance coverage through an employer using large or small business health insurance plans. In fact, many employees will report that the most important benefit offered to them through their job is health insurance.
In recent years, companies have seen a dramatic increase in the cost of providing health care benefits to their employees. This is primarily due to the rising cost of health care and prescription drugs. Because of these ever increasing insurance premiums, many companies have been forced to reduce the benefits offered to employees under their group health insurance plans. This increases the out-of-pocket expenses that are paid by the employee when they require medical treatment or prescription drugs. Some companies are even requiring their employees to pay a higher share of the monthly premium or requiring them to pay 100% of their dependent premiums.