• Skip to main content
  • SHOP Marketplace

Get health insurance for your small business

Health insurance is a critical factor for small businesses to help retain and recruit employees and sustain productivity and satisfaction. UnitedHealthcare offers a range of group health insurance options designed to help your small business save money and support your employees’ health and well-being.

Request a quote for your small business (2-50 employees)

Simply complete a quick form to get started with a quote for your small business. A UnitedHealthcare representative will get in touch and work with you to help find group health insurance options that best fit your business.

corporate health care plans

View plans or request a quote (2-50 employees)

To get more details on health insurance options for your small business, click on your state below. In markets where the Small Business Store is available, 1 you will be directed there. In markets where the Small Business Store is not available, you can request a quote from UnitedHealthcare.

  • Connecticut
  • District of Columbia
  • Florida (North)
  • Florida (South)
  • Massachusetts
  • Mississippi
  • New Hampshire
  • New York (upstate)
  • North Carolina
  • North Dakota
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • U.S. Virgin Islands
  • West Virginia
  • Back to top

For companies with 51 or more employees

Find the right medical plans for your employees and your business, plus supplemental plans for dental, vision, disability and more.

Explore products and solutions for small businesses

There's not just one way we work to help small businesses like yours. By offering benefits packages designed to improve employee experience and help employers manage cost, there's a number of products and solutions that may be right for your business.

Explore a range of group health plans and network options.

Discover how integrated pharmacy benefits from OptumRx may help lower costs for you and your employees.

Enhance your employees’ specialty benefits package with vision, dental, financial protection plans and more.

See how we are guiding employees to the behavioral care they need.

Get more health plan resources

Find information to help you and your employees get the most from their health benefits.

Did you know?

UnitedHealthcare’s employer-sponsored insurance plans serve groups that fall into three categories: Small Group plans refer to employers with up to 100 employees; Key Accounts is for employers with 101 to 5,000 employees; and National Accounts serves employers with more than 5,000 employees.

Building healthier workplaces together

A small business with about 40 employees shares why working with UnitedHealthcare has enabled them to provide a health plan that delivers on what matters to their employees.

corporate health care plans

Video transcript

Instrumental music plays throughout. Three white lines curl across a blue background. Blue text centers a white screen.

ONSCREEN TEXT:          Building healthier workplaces together

Upbeat music plays to a montage of shots from employees working in warehouse, a forklift, a man outside, seed being filled into a bag, a white truck driving through plains, and a blonde-haired woman smiling.

The screen dissolves into white with the blue United U logo appearing in the center.

Inspirational music begins playing as we see an aerial view of the Albert Lea Seed Plant. The scene switches to an aerial view of a baseball field, then to the Albert Lea Seed Plant entrance. The view moves inside where Matt Helgeson speaks to a circle of employees in the warehouse.

MATT: Okay, good morning, everybody.

We've got trucks at the dock today, so it's going to be a busy Monday.

We've got trucks on the scale as well, so we'll need a couple samples pulled up.

The screen shows Matt being interviewed before a white background.

MATT: Albert Lea Seed has been in business for almost 100 years,

A blue bar slides into the bottom left of the screen, containing white text.

ONSCREEN TEXT:          Matt Helgeson Owner, Albert Lea Seed

MATT: and today our focus is distributing seed throughout the Upper Midwest and throughout the country.

A white text box with the Albert Lea Seed logo scrolls down from the top left of the screen.

ONSCREEN TEXT:          Organization Albert Lea Seed 

Location Albert Lea, MN

Industry Agriculture

Established 1923

Number of employees 40

Music continues. We see Matt checking seed and then a man pouring seed into a bag in a warehouse.

Matt: One of our key focuses is distributing an organic and non-GMO seed to farmers who are under those production methods.

We see Matt and another man examining seeds in a field.

MATT: Many of our seeds that we offer here are produced by local farmers.

Those seeds include soybeans especially, and also small grains; things like oats, wheat, barley, and rye.

We see palettes of bags of organic grain seed and barley. Scene cuts to a white truck driving on a dirt road in the fields.

MATT: Those relationships with our customers matter to us, and they matter to the farmer, and so we try to offer honest advice and seeds in which the quality we believe is truly there.

Matt gets out of truck and shakes hands with another man in a field. Matt and a man inspecting crop.

Nicole Hansen begins speaking. We see the Albert Lea Seed building sign, then Nicole speaking to employees in the warehouse, handing out open enrollment booklets. A white UnitedHealthcare U logo is at the bottom right corner of the screen

NICOLE: Good morning, everyone. I'm going to briefly talk to you guys this morning about open enrollment for 2022. I'm going to hand out some booklets for everyone.

The screen changes to Nicole Hansen interviewing before a white background. A blue bar slides into the bottom left of the screen, containing white text.

ONSCREEN TEXT:        Nicole Hansen Human Resources, Albert Lea Seed

NICOLE: A lot of people are surprised to hear that the Albert Lea Seed House even offers benefits just because we're such a small employer and we're not actually required to offer any type of health insurance.

Nicole continues speaking while we see a montage of a forklift in the warehouse.

NICOLE: We want the best for our staff and for their families. We take a lot of pride in not having high turnover rates, and that's because of how we treat our employees and how comfortable they feel with us.

The screen switches back to Nicole in front of a white background.

NICOLE: We meet with our broker every year, the controller and I do, and we're always looking at a plan that's going to impact our staff in the most positive way.

Nicole continues speaking while we see a montage of employees working with seed in the warehouse.

NICOLE: Which one is going to cover them is depending on what's going on in their life and make a positive impact on them and their families.

Matt begins speaking and we see a montage of workers in the warehouse.

Matt: The health of our employees is critically important.

The screen changes to Matt being interviewed in front of a white background.

MATT: The UnitedHealthcare plan has been very beneficial for all of our employees here.

While Matt is speaking, we now see a montage of employees at work and the white UnitedHealthcare U logo in the bottom right corner.

MATT: The incentives for employees to improve their health and have more of a preventative concept is really important.

Nicole is speaking before a white background.

NICOLE: The incentive program that's offered through UnitedHealthcare is a huge success with all of my staff here.

While she is speaking, we see Nicole and Matt walking and talking outside.

NICOLE: They love the incentive for them to get up and get moving. It gives them a great feeling, and they love the extra cash flow into their HSA. These plans that we offer through UnitedHealthcare are very important to us because happier employees are more productive employees, which are healthier employees.

The screen is changing back to Nicole speaking in front of a white background

NICOLE: And that's exactly what we strive for here at the Albert Lea Seed House.

Blue text flashes quickly on screen, centering a white background.

ONSCREEN TEXT:        There

ONSCREEN TEXT:        for

ONSCREEN TEXT:        what

ONSCREEN TEXT:        matters

A blue u-shaped logo appears against a white background, followed by text.

ONSCREEN TEXT:        UnitedHealthcare

Small black text runs along the bottom of the screen.

ONSCREEN TEXT:        All trademarks are property of their respective owners.

ONSCREEN TEXT:        Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

ONSCREEN TEXT:        © 2023 United HealthCare Services, Inc. All Rights Reserved. 23-2747306

ONSCREEN TEXT:        EI232767439 11/23

  • For Individuals & Families
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers:

Plans and Services

  • Health and Wellness Programs
  • Behavioral Health Programs
  • Dental and Vision
  • Health Savings and Spending Accounts
  • Cost Control Strategies
  • Supplemental Health Solutions
  • Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance

Who We Serve

  • Small Businesses (2-99 employees)
  • Small to Midsize Businesses (100-499 employees)
  • Midsize to Large Businesses (500-2,999 employees)
  • Large Businesses (3,000+ employees)
  • Hospitals and Health Systems
  • Higher Education
  • K-12 Education
  • State and Local Governments
  • Taft-Hartley and Federal
  • Third-Party Administrators
  • View all business types
  • International
  • Health Insurance for Expats
  • Multinational Businesses
  • Why Cigna Healthcare

Employer Resources

  • Cigna for Employers Portal Features
  • Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.

Industry Insights

  • Informed on Reform
  • Workplace Wellness
  • Consumer-Driven Health Plans
  • View all Industry Insights
  • Log in to Employer Portal

Group Health Insurance Medical Plans

Our group health insurance plans help your employees find the right level of quality care at the right time.

corporate health care plans

Building a new benefits package?

Let's get started.

Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

I consent to receive calls or texts from Cigna and its affiliates that may deliver an autodialed or prerecorded telemarketing message at the phone number provided above. I understand that my consent is not required to purchase products or services.

You may be contacted by a licensed insurance agent.

Employer Health Insurance Plans

Our personalized whole health approach and a deep engagement with health care providers gives your employees access to the right level of care at the right time. Through partnerships such as Cigna Collaborative Care ®1 and Cigna Care Network ® —which are embedded in all our medical networks—providers continuously collaborate to improve health outcomes and eliminate unnecessary costs.

Together, we can help you choose plans that allow your employees to stay healthy and bring their best selves to work every day.

Cigna Healthcare Medical Plans At A Glance

Your plan will vary based on what you discuss with your local Cigna Healthcare SM * representative, but here is a basic summary of what's included in our medical plans. View each plan page for additional details. Have questions?

Ask to speak with a Cigna Healthcare representative

** Lock-in plans are available to restrict out-of-network coverage.

*** HMO and Network plans also contain OAP where PCP selection and specialist referrals are not required

**** Made up of a highly collaborative network of providers and facilities

View health insurance plans by organization size or type

Group Medicare Plans

Find in-network providers, view prescription drug lists, network types.

Our medical plans are divided into two main network types: Large National Access and Local Solutions.

Large National Access Network

Provides employees with access to a large national network of quality providers and facilities. Employees have the choice to stay in-network or go out-of-network (which can lead to higher out-of-pocket costs). Includes:

  • Medical Indemnity

Local Solutions Network

Provides employees with access to a local, limited network of quality providers and facilities. The size and scope of the local network varies by each type of plan. Includes:

  • Medical Network

Features of All Cigna Healthcare Medical Plans

24/7/365 live customer service, virtual care, widespread coverage and network of facilities, additional benefits:.

  • Cigna Easy Choice Tool
  • Healthy Pregnancies, Healthy Babies
  • My Health Dashboard (includes Health Assessment)
  • Optional health and wellness incentive programs 5
  • Digital tools including the myCigna ®  mobile app
  • Personal Health Record through WebMD
  • Cigna Healthcare Well-Being Solution, together with Virgin Pulse
  • Identity Force ®  (included for all businesses with under 3,000 employees)

Consider Integrating Benefits

Combine medical, pharmacy, and more for an integrated benefits package that could save up to $148 in medical costs per employee per year. 6 Integrated customers are also more likely to be engaged and participate in health improvement plans, such as wellness coaching.

corporate health care plans

Turn Your Health Plan into a Growth Plan Through Integrated Benefits

Read the transcript [PDF]

corporate health care plans

Savings and Spending Accounts

Visit our knowledge center for helpful information you can share with your employees:.

Do You Need Health Insurance?

How Health Insurance Works

Types of Health Insurance

Explore Products and Solutions

By products and services, by business size.

  • Small Employers (2-99 employees)
  • Small to Midsize Employers (100-499 employees)
  • Midsize to Large Employers (500-2,999 employees)
  • Large Employers (3,000+ employees)

By Business Type

View medical plans and solutions by business type

* Offered by Cigna Health and Life Insurance Company

View Cigna Healthcare Company Names

1 Cigna Collaborative Care (CCC) is our approach to achieving the same population health goals as ACOs: better health, affordability and experience. CCC participating providers are not available in all areas.

2 Potential savings estimated, based on an internal national Cigna Healthcare study conducted in 2022 comparing our LocalPlus and LocalPlus IN plans with our Open Access Plus (OAP) and Open Access Plus IN (OAPIN) plans with the same benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings are not guaranteed and will vary depending on plan design, geographic distribution and utilization patterns. Medical cost savings do not directly translate to rate or premium rates.

3 Percentage of savings is estimated based on an internal Cigna Healthcare study conducted in 2021 comparing our SureFit networks to our Open Access Plus (OAP) networks assuming equivalent benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings range represents the potential savings and is not guaranteed. Savings will also vary depending on plan design, geographic distribution and utilization patterns.

4 For Emergency Services as defined by the applicable plan documents.

5 Incentive programs are funded by the employer and may not be available with all product types.

6 Aon was independently engaged to design and perform the Cigna Healthcare 2022 Value of Integration study. This book of business study leveraged a proprietary match case-control methodology, comparing those customers who share certain characteristics (age, gender, health status and benefits) but differ in terms of their medical, pharmacy and behavioral coverage.

Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT.) (CHLIC), Connecticut General Life Insurance Company, Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc., or (its) their affiliates, and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).

Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna Healthcare representative.

© 2023 Cigna Healthcare.

I want to...

  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
  • Individuals and Families

Secure Member Sites

  • myCigna member portal
  • Health Care Provider portal
  • Cigna for Employers
  • Client Resource Portal
  • Cigna for Brokers

The Cigna Group Information

  • About Cigna Healthcare
  • The Cigna Group
  • Third Party Administrators
  • Evernorth Health Services
  • Terms of Use
  • Product Disclosures
  • Company Names
  • Customer Rights
  • Accessibility
  • Report Fraud
  • Washington Consumer Health Data Privacy Notice
  • Cookie Settings

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities  that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of Arizona and New Mexico.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details

Products and Services

Member programs, administration offerings.

  • Get a quote

By industry

  • Wellness programs
  • Manage employee administration

Tools, manuals and forms

  • Contact Aetna

Trends and Insights

  • Personalized medicine

corporate health care plans

Health insurance plans for employers

Each employee is unique. Their health care needs are, too. Aetna®, as a part of CVS Health®, offers the right health experience for every employee on every journey.

Our commitment to you

What matters to you, matters to us

Years of experience and strategic insights come together for you. Our flexible solutions and meaningful connections help engage employees, improve health outcomes and lower costs. Through it all, your employees have access to the right benefits to get the quality care they need. Together, we can make healthier happen.

Cost and quality management

Connecting members to quality, affordable care when and where they need it. It’s the heart of what we do. We use data analytics to create personalized care reminders to help promote preventive care, address emergency room use and more. More informed decisions mean better costs for everyone.

Customer-first experience

You and your employees, our members, are at the center of everything we do. We’re here to create a more meaningful and personal care experience for everyone we serve.

Integrated health solutions

Our benefit plans and health programs work together to enhance care at every stage. With a better experience, streamlined support, savings opportunities and tools, we help everyone get the most out of their health plans.

Digital innovation and transformation

We’re investing in digital health solutions to connect members with quality care that fits their lives. We’re here with guidance and support, wherever they are on their journey.

Solutions for every need

Helping you find the right fit

Your business is unique. Why should your benefits be any different? We can work with you personally to understand your business and craft the right insurance package to meet your benefit goals. Let’s explore your options.

Loading, please wait

corporate health care plans

Working better, together

corporate health care plans

Helpful resources to manage employee benefits and find the information you need.

  • Log in to employer site
  • Get help with a quote
  • Find forms and guides
  • Pay paper invoice (employer groups)
  • Get contact information

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

Also of interest:

You are now being directed to the AMA site

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.

You are now being directed to the Give an Hour site

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.

You are now being directed to the CVS Pharmacy® site

You are now being directed to the cdc site.

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.

Aetna® is proud to be part of the CVS Health family.

You are now being directed to the CVS Health site.

You are now being directed to the Apple.com COVID-19 Screening Tool

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.

You are now being directed to the US Department of Health and Human Services site

You are now being directed to the cvs health covid-19 testing site, you are now being directed to the fight is in us site.

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.

You are now leaving the Aetna® website

Please log in to your secure account to get what you need.

You are now leaving the Aetna Medicare website.

The information you will be accessing is provided by another organization or vendor. If you do not intend to leave our site, close this message.

Get a link to download the app

Just enter your mobile number and we’ll text you a link to download the Aetna Health℠ app from the App Store or on Google Play.

Message and data rates may apply*

This search uses the five-tier version of this plan

Each main plan type has more than one subtype. Some subtypes have five tiers of coverage. Others have four tiers, three tiers or two tiers. This search will use the five-tier subtype. It will show you whether a drug is covered or not covered, but the tier information may not be the same as it is for your specific plan. Do you want to continue?  

Applied Behavior Analysis Medical Necessity Guide

By clicking on “I Accept”, I acknowledge and accept that:  

The Applied Behavior Analysis (ABA) Medical Necessity Guide helps determine appropriate (medically necessary) levels and types of care for patients in need of evaluation and treatment for behavioral health conditions. The ABA Medical Necessity Guide does not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any matters related to their coverage or condition with their treating provider.

Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply.

The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary.

Please note also that the ABA Medical Necessity Guide may be updated and are, therefore, subject to change.

Medical necessity determinations in connection with coverage decisions are made on a case-by-case basis. In the event that a member disagrees with a coverage determination, member may be eligible for the right to an internal appeal and/or an independent external appeal in accordance with applicable federal or state law.

Aetna® is proud to be part of the CVS® family.

You are now being directed to CVS Caremark ® site.

ASAM Terms and conditions

By clicking on “I accept”, I acknowledge and accept that:

Licensee's use and interpretation of the American Society of Addiction Medicine’s ASAM Criteria for Addictive, Substance-Related, and Co-Occurring Conditions does not imply that the American Society of Addiction Medicine has either participated in or concurs with the disposition of a claim for benefits.

This excerpt is provided for use in connection with the review of a claim for benefits and may not be reproduced or used for any other purpose.

Copyright 2015 by the American Society of Addiction Medicine. Reprinted with permission. No third party may copy this document in whole or in part in any format or medium without the prior written consent of ASAM.

Precertification lists

Should the following terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button below labeled "I Accept".

  • The term precertification here means the utilization review process to determine whether the requested service, procedure, prescription drug or medical device meets the company's clinical criteria for coverage. It does not mean precertification as defined by Texas law, as a reliable representation of payment of care or services to fully insured HMO and PPO members.
  • Applies to: Aetna Choice ® POS, Aetna Choice POS II, Aetna Medicare ℠ Plan (PPO), Aetna Medicare Plan (HMO), all Aetna HealthFund ® products, Aetna Health Network Only ℠ , Aetna Health Network Option ℠ , Aetna Open Access ® Elect Choice ® , Aetna Open Access HMO, Aetna Open Access Managed Choice ® , Open Access Aetna Select ℠ , Elect Choice, HMO, Managed Choice POS, Open Choice ® , Quality Point-of-Service ® (QPOS ® ), and Aetna Select ℠ benefits plans and all products that may include the Aexcel ® , Choose and Save ℠ , Aetna Performance Network or Savings Plus networks. Not all plans are offered in all service areas.
  • All services deemed "never effective" are excluded from coverage. Aetna defines a service as "never effective" when it is not recognized according to professional standards of safety and effectiveness in the United States for diagnosis, care or treatment. Visit the secure website, available through www.aetna.com, for more information. Click on "Claims," "CPT/HCPCS Coding Tool," "Clinical Policy Code Search."
  • The five character codes included in the Aetna Precertification Code Search Tool are obtained from Current Procedural Terminology (CPT ® ), copyright 2023 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
  • The responsibility for the content of Aetna Precertification Code Search Tool is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Precertification Code Search Tool. No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Precertification Code Search Tool should refer to the most Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT ® ")

  • CPT only Copyright 2023 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association. You, your employees and agents are authorized to use CPT only as contained in Aetna Precertification Code Search Tool solely for your own personal use in directly participating in health care programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT. Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to sue CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.

U.S. Government Rights

This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.

Disclaimer of Warranties and Liabilities.

CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsement by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.

This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.

Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".

The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.

This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.

Dental clinical policy bulletins

  • Aetna Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits and do not constitute dental advice. Treating providers are solely responsible for dental advice and treatment of members. Members should discuss any Dental Clinical Policy Bulletin (DCPB) related to their coverage or condition with their treating provider.
  • While the Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Dental Clinical Policy Bulletins (DCPBs) describe Aetna's current determinations of whether certain services or supplies are medically necessary, based upon a review of available clinical information. Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between this policy and a member's plan of benefits, the benefits plan will govern. In addition, coverage may be mandated by applicable legal requirements of a State or the Federal government.
  • Please note also that Dental Clinical Policy Bulletins (DCPBs) are regularly updated and are therefore subject to change.
  • Since Dental Clinical Policy Bulletins (DCPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies.
  • Under certain plans, if more than one service can be used to treat a covered person's dental condition, Aetna may decide to authorize coverage only for a less costly covered service provided that certain terms are met.

Medical clinical policy bulletins

  • Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any Clinical Policy Bulletin (CPB) related to their coverage or condition with their treating provider.
  • While the Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Clinical Policy Bulletins (CPBs) express Aetna's determination of whether certain services or supplies are medically necessary, experimental and investigational, or cosmetic. Aetna has reached these conclusions based upon a review of currently available clinical information (including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the technology, evidence-based guidelines of public health and health research agencies, evidence-based guidelines and positions of leading national health professional organizations, views of physicians practicing in relevant clinical areas, and other relevant factors).
  • Aetna makes no representations and accepts no liability with respect to the content of any external information cited or relied upon in the Clinical Policy Bulletins (CPBs). The discussion, analysis, conclusions and positions reflected in the Clinical Policy Bulletins (CPBs), including any reference to a specific provider, product, process or service by name, trademark, manufacturer, constitute Aetna's opinion and are made without any intent to defame. Aetna expressly reserves the right to revise these conclusions as clinical information changes, and welcomes further relevant information including correction of any factual error.
  • CPBs include references to standard HIPAA compliant code sets to assist with search functions and to facilitate billing and payment for covered services. New and revised codes are added to the CPBs as they are updated. When billing, you must use the most appropriate code as of the effective date of the submission. Unlisted, unspecified and nonspecific codes should be avoided.
  • Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between a Clinical Policy Bulletin (CPB) and a member's plan of benefits, the benefits plan will govern.
  • In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members. 

See CMS's Medicare Coverage Center

  • Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
  • Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Under certain circumstances, your physician may request a peer to peer review if they have a question or wish to discuss a medical necessity precertification determination made by our medical director in accordance with Aetna’s Clinical Policy Bulletin.
  • While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.

See Aetna's External Review Program

  • The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
  • The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT®")

CPT only copyright 2015 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association.

You, your employees and agents are authorized to use CPT only as contained in Aetna Clinical Policy Bulletins (CPBs) solely for your own personal use in directly participating in healthcare programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT.

Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to use CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.

Go to the American Medical Association Web site

You are now leaving the Aetna® website.

We're working with 3Won to process your request for participation. Please select "Continue to ProVault to begin the contracting and credentialing process.

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliates are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.  

Proceed to Healthcare.gov site

. external page

  • Manage Account . external page
  •   Other Languages

Kaiser Permanente Business Home Page

  • Managing Health Care Costs
  • Exceptional Care
  • Mental Health
  • Health Equity
  • Member Experience
  • Enrollment Support & Resources
  • Locate Services
  • Small Business
  • Large Business
  • Virtual Plans
  • Multi-State & National Business
  • Labor and Trust Funds

Group Medicare

  • Individual & Family Plans . external page
  • Consumer Directed Health Care

Occupational Health

Additional benefits.

  • PPO and Point-of-Service Plans
  • Employer Wellness Resources
  • Health Views for Business Webinar Series
  • Mental Health and Wellness
  • Social Health
  • Specialty Care
  • Virtual Care
  • Health Plans
  • Large Business Plans . current menu item

Large Business Plans

corporate health care plans

The best mix of care and coverage for your large business

As a large employer, you’re constantly facing new challenges — competitive threats, a demanding economic climate, and the impact of COVID-19. To move your business forward, you need your employees at their best. No matter which you choose, all of our plans give them what they need to be healthier every day.

Learn more about Washington plans available outside the Vancouver/Longview area.

Are you sure you’re a large business? Whether your business is considered small or large depends on your location.

See business size definitions by state

Small and large business definitions by state.

California & Colorado Small Business is 2-100 employees. (This was previously 2-50.)

Large Business is 100+ employees.

District of Columbia, Georgia, Hawaii, Maryland, Oregon, Virginia & Washington Small Business is 2-50 employees.

Large Business is 51+ employees.

See our Small Business Plans >

Traditional and deductible plans

Offer predictable cost sharing while controlling your monthly costs with our copayment and deductible plans.

Consumer-Directed Health Plans

Enjoy lower health care costs for your business and employees.

Virtual Care Plans

With a Kaiser Permanente Virtual Complete plan, your employees can get high-quality care that’s both affordable and convenient — helping them stay healthier and more engaged on the job.

Preferred provider organization (PPO) and point-of-service (POS) plans

Give your employees more choice and flexibility when they need care.

Compare plans quickly and easily

Complete Suite is a portfolio of competitively priced product offerings designed to meet the needs of mid to large sized businesses. You have the flexibility to choose a plan that meets the needs of your employees — and the goals of your business.

Spend less time managing your employees‘ benefits and more time moving your business forward.

Contact your Kaiser Permanente representative to learn more about Complete Suite.

Get to know us

corporate health care plans

medical offices and other facilities

corporate health care plans

Kaiser Permanente hospitals

corporate health care plans

More ways to care for your employees

corporate health care plans

Convenient Access to Doctors and Facilities

Kaiser Permanente has medical facilities close to where your employees work and live. And, in many cases, your doctor, specialist, pharmacist, and more are located in one facility, which means your employees don’t have to spend the day going all over town just to get well.

email icon

For more information

Some plan options, products, and riders not available in all Kaiser Permanente areas.

  • KP Care & Value
  • Find a Doctor . external page

Visit Our Other Sites

  • KP.org . external page
  • Individual & Family Plans . external page
  • Thrive . external page
  • Medicare . external page
  • Federal Employees . external page
  • Health Care Reform . external page
  • Careers . external page
  • About Us . external page
  • Accessibility . external page
  • Terms & Conditions . external page
  • Technical Information . external page
  • Privacy Policy . external page
  • Nondiscrimination Notice . external page

Kaiser Permanente health plans around the country: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington or Kaiser Foundation Health Plan of Washington Options, Inc., 1300 SW 27th St., Renton, WA 98057

close popup

Congratulations! You have successfully saved this item.

To access your Saved items any time, open the "Saved Items" folder in the top right corner of the page.

View Saved Items >

Cookies disabled

It seems that you do not have cookies enabled. Please enable cookies to make use of all of our site's functionality.

Saved items

You haven't collected any items yet.

Click the "Save" icon     next to the content you want to revisit later.

Click on the "Saved Items" link at the top of the page or use the URL we create for you.

Be sure to copy and paste the URL we create for you before you leave the site.

close modal

 Saved Items

After leave the site, your saved items will be saved for you at this URL:

Share your list

Email us

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • Small business guide
  • View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Best Small-Business Group Health Insurance Plans

Amrita Jayakumar

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Best overall: Blue Cross Blue Shield

Best for low-cost plan options: kaiser permanente, best for transparency: unitedhealthcare, best for customer service: humana, best for health expense funds: aetna (cvs health).

As a small-business owner, the decision to offer health insurance to your employees is a personal one. If you have fewer than 50 employees, you are not required by law to offer a group health insurance plan. But you may still want to consider it as a tool to hire and retain workers and to claim tax benefits for your business.

Choosing the right group health insurance plan for your employees depends on your budget and also factors like the number of employees you have, how old they are and where they live. You can purchase insurance through the federal government’s Small Business Health Options marketplace, directly from an insurance provider or using an insurance broker.

» MORE: How much does small business health insurance cost?

Here are our picks for the top small-business group health insurance providers to consider.

Looking for tools to help grow your business?

Tell us where you're at in your business journey, and we'll direct you to the experience that fits.

on NerdWallet's secure site

Largest provider network in the country.

Limited plan details available online; must talk to a sales representative.

Why we like it: Blue Cross Blue Shield is an association of 35 locally operated insurance companies throughout the country. Together, the association provides access to 93% of doctors and 96% of hospitals nationwide. This means finding in-network doctors should not be a problem for your employees anywhere in the country.

Blue Cross Blue Shield provides a variety of plan options for your employees, including preferred provider organizations, health maintenance organizations and high-deductible health plans, as well as group dental and vision plans. The company ranks well in J.D. Power’s 2021 Commercial Member Health Plan Study, which measures member satisfaction. Blue Cross Blue Shield wins the top spot in eight U.S. regions.

For 2019, the average rating for Blue Cross Blue Shield plans on the National Committee for Quality Assurance website was 3.5 on a scale of 1 to 5. The NCQA rates plans on factors such as clinical quality and member satisfaction.

Low-cost HMO plans.

Small-business plan comparisons available online.

Available only in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C.

Why we like it: Kaiser Permanente is only available in a handful of states but it is well-rated in those regions, according to the J.D. Power study. Its average rating on the NCQA website is also high, at 4.3. Kaiser is best known for its HMO plans, which it offers at a low cost because patients are generally required to see providers within a small network. As a small-business owner, you can easily view the details of all of Kaiser's group offerings, including pricing information, on its website.

Comparison tool for small-business plans available online.

Available in all 50 states.

Does not rank in J.D. Power’s Commercial Member Health Plan Study of top insurers.

Why we like it: UnitedHealthcare is the largest insurance company in the country by market share; it works with more than 1.3 million physicians and care professionals, and 6,500 hospitals. Its small-business plan comparison tool makes it stand out from the competition. You can enter some basic information about your business and compare plan costs and features easily on UnitedHealthcare’s website. On average, the company’s NCQA rating is 3.4.

Plan details available online.

Smaller provider network than other insurers.

Why we like it: Humana is ranked well for customer service according to the J.D. Power study. The company’s customer service was also rated the best in the health insurance category of Newsweek’s annual Best Customer Service report two years in a row, for 2019 and 2020. On average, its plans had an NCQA rating of 3.4. Humana offers five types of plans geared toward small businesses and lists the features of each on its website.

Large network of providers.

Limited plan details available online.

Why we like it: Aetna has a comprehensive set of health expense funds that you can offer employees for pre-tax savings, such as health savings accounts and flexible savings accounts, as well as health and retirement reimbursement arrangements. (Note: Aetna’s HSA option is paired only with its high-deductible health plans.) Aetna ranks high on J.D. Power’s Commercial Member Health Plan Study and has an average NCQA rating of 3.3.

On a similar note...

corporate health care plans

Corporate Wellness

Best corporate health insurance plan comparisons.

corporate health care plans

In the dynamic world of corporate wellness, selecting the right health insurance plan is a critical decision for any organization. It impacts not only the financial health of the company but also the well-being and satisfaction of its employees. This comprehensive guide aims to illuminate the key factors that industry professionals should consider when comparing and choosing corporate health insurance plans.

Understanding the Landscape of Corporate Health Insurance

1. types of plans:.

  • HMOs (Health Maintenance Organizations): These plans usually limit coverage to care from doctors who work for or contract with the HMO.
  • PPOs (Preferred Provider Organizations): These plans offer more flexibility in choosing doctors and hospitals.
  • EPOs (Exclusive Provider Organizations): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network.

2. Coverage Scope:

  • Preventive Services: Including wellness visits and standard immunizations.
  • Specialist Care: Access to a range of specialists.
  • Emergency Services: Coverage in emergency situations.

Evaluating Key Features

1. Cost-Effectiveness: Compare premiums, deductibles, copayments, and out-of-pocket maximums. Look for plans that offer a balance between comprehensive coverage and cost efficiency.

2. Network Size and Quality: Consider the size of the network and the quality of healthcare providers included. A larger network offers more choices but may come with a higher premium.

3. Prescription Drug Coverage: Assess the formulary of medications and the coverage levels for generic vs. brand-name drugs.

4. Additional Benefits: Some plans offer additional benefits like dental, vision, or wellness programs. Evaluate the relevance and quality of these add-ons.

Strategic Considerations for Employers

1. Employee Demographics: Understand the diverse health needs of your workforce. Younger employees might prioritize different benefits compared to older staff.

2. Company Size and Budget: The size and financial capacity of your company play a significant role in determining the feasible options.

3. Legal and Compliance Aspects: Ensure that the chosen plan complies with relevant laws and regulations, like the Affordable Care Act (ACA).

The Importance of Wellness Programs in Corporate Health Insurance

Incorporating wellness programs into your health insurance plan can lead to improved employee health, reduced absenteeism, and increased productivity. Look for plans that integrate wellness initiatives like health screenings, mental health support, and lifestyle management programs.

Making the Right Choice

1. Comparative Analysis: Utilize comparison tools to evaluate different plans side by side on key metrics like coverage, cost, and benefits.

2. Employee Feedback: Engage with your employees to understand their needs and preferences. This feedback can be invaluable in selecting a plan that meets the needs of the majority.

3. Expert Consultation: Consulting with healthcare experts and insurance advisors can provide insights into the latest trends and best practices in corporate health insurance.

Choosing the right corporate health insurance plan is a significant decision that requires careful consideration of various factors. By focusing on the needs of your employees and the strategic goals of your organization, you can select a plan that promotes health and wellness while also being cost-effective.

Navigating the complexities of corporate health insurance can be challenging. Global Healthcare Resources offers expert wellness consulting to guide you through every step of the process. Our team can help you compare plans, understand your options, and make an informed decision that aligns with your company's objectives. Visit us at Global Healthcare Resources Wellness Consulting to learn more and take the first step towards a healthier, more productive workplace.

The Impact of Employee Wellness Programs on Health Care Costs

How to use corporate challenges to promote team building and health, developing employee wellness programs that support cardiovascular health, best practices for incorporating mental health support into wellness programs, the role of nutrition in enhancing employee health and wellness, featured reading, how fertility benefits can support your diversity & inclusion efforts, medical travel growth in south korea and strategies for the future, “they dumped us like trash:” creating the worst corporate culture like better.com.

  • Search Search Please fill out this field.
  • Health Insurance
  • Definitions A - M

Group Health Insurance: What It Is, How It Works, Benefits

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

corporate health care plans

Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South Carolina, where he launched his own financial advisory firm in 2018. Thomas' experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning.

corporate health care plans

What Is a Group Health Insurance Plan?

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders. There are plans such as these in both the U.S. and Canada .

Key Takeaways

  • Group members receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders.
  • Plans usually require at least 70% participation in the plan to be valid. 
  • Premiums are split between the organization and its members, and coverage may be extended to members' families and/or other dependents for an extra cost.
  • Employers can enjoy favorable tax benefits for offering group health insurance to their employees.

How Group Health Insurance Works

Group health insurance plans are purchased by companies and organizations and then offered to their members or employees. Plans can only be purchased by groups, which means individuals cannot purchase coverage through these plans. Plans usually require at least 70% participation in the plan to be valid. Because of the many differences—insurers, plan types, costs, and terms and conditions—between plans, no two are ever the same.

Group plans cannot be purchased by individuals and typically require at least 70% participation by group members.

Once the organization chooses a plan, group members are given the option to accept or decline coverage. In certain areas, plans may come in tiers, where insured parties have the option of taking basic coverage or advanced insurance with add-ons. The premiums are split between the organization and its members based on the plan. Health insurance coverage may also be extended to the immediate family and/or other dependents of group members for an extra cost.

The cost of group health insurance is usually much lower than individual plans because the risk is spread across a higher number of people. Simply put, this type of insurance is cheaper and more affordable than individual plans available on the market because more people buy into the plan.

History of Group Health Insurance

The earliest known example of group coverage for health services dates to 1798, when Congress established the U.S. Marine Hospital for Navy seamen. Participation was compulsory, with deductions coming from salaries. Other examples include the mining, lumber, and railroad industries in the late 1800s, which had a vested interest in ensuring the health of its workers.

Montgomery Ward is credited with establishing the nation’s first group health insurance policy in 1910. The policy did not reimburse workers for medical expenses, but provided cash payments to workers equal to half their wages in the event of injury or illness.

The progressive political movement of the early 1900s led to several proposals to establish compulsory national health insurance. However, these proposals failed to counter opposition from doctors, who objected to uniform fee structures; labor groups, which felt their power would be weakened; and insurance companies, which feared encroachment on their business.

Employer-sponsored group health insurance grew rapidly in the 1940s as a way for employers to get around wage controls set during World War II. In 1943, the War Labor Board introduced wage caps but did not include insurance premiums as part of the cap. As such, employers were free to offer health insurance to attract and retain workers, resulting in a tripling of health insurance coverage by the end of the war.

But this failed to address the needs of retirees and other non-working adults. Federal efforts to provide coverage to those groups led to the Social Security Amendments of 1965, which laid the foundation for Medicare and Medicaid .

Benefits of a Group Health Insurance Plan

The primary advantage of a group plan is that it spreads risk across a pool of insured individuals. This benefits the group members by keeping premiums low, and insurers can better manage risk when they have a clearer idea of who they are covering. Insurers can exert even greater control over costs through health maintenance organizations (HMOs), in which providers contract with insurers to provide care to members.

The HMO model tends to keep costs low, at the cost of restrictions on the flexibility of care afforded to individuals. Preferred provider organizations (PPOs) offer the patient a greater choice of doctors and easier access to specialists but tend to charge higher premiums than HMOs.

The percent of the U.S. population covered by employer-provided group health insurance in 2021.

The vast majority of group health insurance plans are employer-sponsored benefit plans. It is possible, however, to purchase group coverage through an association or other organizations. Examples of such plans include those offered by the American Association of Retired Persons (AARP), the Freelancers Union, and wholesale membership clubs.

Insurance Options for Uninsured Individuals

Not everyone is covered by a group health insurance plan. For many decades, these uninsured people were forced to bear the cost of healthcare on their own. But that has changed.

Government-sponsored health plans are an option for those left out of employer-sponsored group health insurance. The Affordable Care Act (ACA) adopted in 2010 created a marketplace for health insurance that provides coverage to 16.3 million people as of the 2022-2023 open enrollment season.

After the passage of the ACA, taxpayers were required to show they had health insurance coverage or qualified for an exemption, or else they were required to pay a penalty described as a “shared responsibility payment.” This mandated payment was eliminated with the passage of the Tax Cuts and Jobs Act beginning in the 2019 tax year.

Example of Group Health Insurance

United Healthcare, a division of UnitedHealth Group (UHC), is one of the nation's largest health insurers. It offers a buffet of group health insurance options for all types of businesses. Include are medical plans and specialty, supplemental plans, such as dental, vision, and pharmacy.

United Healthcare offers plans under the federally-sponsored Small Business Health Options (SHOP) program, a provision of the Affordable Care Act. In most states, employers must have 50 or fewer full-time employees, although some states allow for as many as 100 employees. Businesses that pay at least 50% of the insurance premium qualify for a 50% tax credit.

Midsize businesses, with between 51 and 2,999 employees, have various options available, including bundles. Large businesses, with 3,000 or more employees, qualify as national accounts, which have more services and healthcare features, including the ability to customize plan offerings.

What Is a Group Health Plan?

Group health plans are employer- or group-sponsored plans that provide healthcare to members and their families. The most common type of group health plan is group health insurance, which is health insurance extended to members, such as employees of a company or members of an organization.

What Is a Group Health Cooperative?

A group health cooperative, also known as mutual insurance, is a health insurance plan owned by the insured members . Insurance is offered at a reduced cost, and what they collect from members is based on claims paid. The cost of care is spread out across the insured population.

How Many Employees Do You Need to Qualify for Group Health Insurance?

Many group health insurers offer plans to companies with one or more employees. The type of plans available, however, may vary according to the size of the business . For example, United Healthcare provides various plans for small businesses with 1-50 employees , midsize businesses with 51-2,999, and large employers with 3,000 or more employees.

What Are Group Health Insurance Benefits?

Group health insurance plans offer medical coverage to members of an organization or employees of a company. They may also provide supplemental health plans—such as dental, vision, and pharmacy—separately or as a bundle. Risk is spread across the insured population, which allows the insurer to charge low premiums. And members enjoy low-cost insurance, which protects them from unexpected costs arising from medical events.

How Much Does Group Health Insurance Cost?

The average group health insurance policy costs roughly $7,400 annually for an individual, with the employee paying 17% of the premium. For family coverage, the average cost was about $21,000 per year, with the employee paying 27% of the premium.

The Bottom Line

Group health insurance plans are one of the most affordable types of health insurance plans available. Because risk is spread among insured persons, premiums are considerably lower than traditional individual health insurance plans. This is possible because the insurer assumes less risk as more people participate in the plan. For employees who ordinarily would not be able to afford individual health insurance, it is an attractive benefit.

U.S. Bureau of Labor Statistics, Monthly Labor Review. “ The Development and Growth of Employer-Provided Health Insurance ,” Pages 3-4.

Marilyn J. Field and Harold T. Shapiro. “ Employment and Health Benefits: A Connection at Risk ,” Chapter 2.

National Archives. “ Medicare and Medicaid Act (1965) .”

Kaiser Family Foundation. " Health Insurance Coverage for the Total Population ."

U.S. Department of Health and Human Services. “ Biden-Harris Administration Announces Record-Breaking 16.3 Million People Signed Up for Health Care Coverage in ACA Marketplaces During 2022-2023 Open Enrollment Season .”

Internal Revenue Service. “ Individual Shared Responsibility Provision .”

United HealthCare Services. “ Small Business Health Options Program (SHOP) .”

Kaiser Family Foundation. “ 2020 Employer Health Benefits Survey .”

  • Health Insurance: Definition, How It Works 1 of 30
  • Group Health Insurance: What It Is, How It Works, Benefits 2 of 30
  • Is Health Insurance Mandatory? 3 of 30
  • Affordable Care Act (ACA): What It Is, Key Features, and Updates 4 of 30
  • Choosing Bronze, Silver, Gold, or Platinum Health Plans 5 of 30
  • Buying Private Health Insurance 6 of 30
  • Health Maintenance Organization (HMO): What It Is, Pros and Cons 7 of 30
  • Preferred Provider Organization (PPO): Definition and Benefits 8 of 30
  • Point-of-Service (POS) Plan: Definition, Pros & Cons, Vs. HMO  9 of 30
  • How High-Deductible Health Plans Work 10 of 30
  • Coinsurance vs. Copays: What's the Difference? 11 of 30
  • Co-pay vs. Deductible: What’s the Difference? 12 of 30
  • Pre Existing Condition: How They Affect Your Health Insurance 13 of 30
  • Health Insurance: Paying for Pre-Existing Conditions 14 of 30
  • What Is a Gatekeeper? Definition in Healthcare and Examples 15 of 30
  • How Much Does Health Insurance Cost? 16 of 30
  • How to Cut Your Costs for Marketplace Health Insurance 17 of 30
  • What Does Health Insurance Not Cover? 18 of 30
  • How to Apply for Financial Assistance to Pay for Health Insurance 19 of 30
  • Health Insurance Premium: Meaning, Overview, FAQ 20 of 30
  • How to Calculate Insurance Premiums 21 of 30
  • Are Health Insurance Premiums Tax-Deductible? 22 of 30
  • Health Insurance Deductible: What It Is and How It Works 23 of 30
  • Out-of-Pocket Expenses: Definition, How They Work, and Examples 24 of 30
  • What Is an Out-of-Pocket Maximum? Definition and How It Works 25 of 30
  • How to Get Health Insurance 26 of 30
  • Best Health Insurance Companies for 2024 27 of 30
  • How to Compare Health Insurance Plans: Aetna vs. Cigna 28 of 30
  • The Truth About Saving on Healthcare Costs—Many Strategies Are Buyer Beware 29 of 30
  • Critical Illness Insurance: What Is It? Who Needs It? 30 of 30

corporate health care plans

  • Terms of Service
  • Editorial Policy
  • Privacy Policy
  • Your Privacy Choices

We're advancing affordable, high-quality care for businesses and workforces across America

This is how - Improving in Every Economy - Tailoring Network Solutions - Personalizing Employee Engagement - Behavioral Health

Better Insights, Better Healthcare, Better Affordability, Better Communities.

At Blue Cross Blue Shield, we are committed to improving the health of the communities we serve. Our deep local roots give us a unique understanding of healthcare challenges at the heart of where care is delivered. Our unmatched national breadth—spanning every ZIP code in the U.S.—gives us expansive data and strong insights into how to improve care and drive equity and affordability in the big cities and small towns where your employees live and work. Learn how we’re positively impacting communities by:

  • Working hand-in-hand with doctors to improve care delivery
  • Targeting health conditions for effective local intervention
  • Leading the way to advance health equity
  • Investing in our communities

Proven Network and Pharmacy Solutions—Tailored to Your Needs

We know every business has unique requirements—and your priorities are at the center of our health plan solutions. From our comprehensive portfolio of network options to our cost-saving pharmacy solutions, we’ll work with you to holistically manage your employees’ health and experience—all while lowering costs.

Customizing Care for Better Engagement, Recruitment and Retention

We know there isn’t a silver bullet when it comes to employee engagement. Through a data-driven, 360-degree approach, we’ll partner with you to pinpoint where your employees are on the health and wellbeing spectrum and offer high-touch and high-tech solutions that best engage them in their health and healthcare.

We'll also work with you to make sure you're offering the right kind of coverage and benefits, a very important value-add when it comes to talent attraction and retention, as well.

  Promote Workforce Wellness

Blue Cross Blue Shield (BCBS) offers a broad spectrum of programs that engage your employees in their health and wellbeing, helping them create healthy habits that lead to healthier, more productive lives.

*Available to members of participating BCBS companies. Speak to your local BCBS company to see what solutions they offer to meet your unique needs.

Blue365 Logo

Provides members with discounts on health and wellbeing products and services. Explore Blue365

Taking a Full-On Approach to Behavioral Health

We will work with you to offer the tools you need to care for your employees’ full health—mental, physical and emotional. Together, we can address behavioral health at every level:

  • Improving access to mental health providers through quality, affordable care
  • Integrating care to embrace the whole person and drive value
  • Reducing stigma
  • Driving equity with support for each employee’s unique experience
  • Creating a culture of health through broader behavioral health benefits and wellness programs

Let’s work together to create smarter, better healthcare solutions for you and your employees. Connect with a local BCBS company below.

The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies.

Staying current is easy with Crain’s news delivered straight to your inbox.

Free of charge.

Blue cross illinois parent expands corporate presence in texas.

Katherine Davis

Katherine Davis is a health care reporter for Crain’s Chicago Business, covering hospitals, pharmaceutical makers, insurance providers, life sciences startups and public health. She joined Crain’s in 2021 from the American City Business Journals, where she reported on startups and venture capital for the Chicago Business Journal and Chicago Inno.

Health Care Service Corp. logo

Health Care Service Corp., the Chicago-based parent company of five Blue Cross & Blue Shield plans, is expanding its corporate presence in Texas with a new office building in southwest Houston.

The 132,000-square-foot office will open as soon as January 2025, according to a statement announcing the expansion. HCSC already has a corporate office in Richardson, Texas.

"As we grow our business, we are making intentional investments to create job opportunities in areas that can benefit when local residents are hired and cycle dollars through the communities in which they live," HCSC spokesman Bryan Campen said in a statement.

Campen declined to disclose how many people will be hired to work at the office building and what types of corporate roles they will hold. He also declined to say how many members HCSC has in Texas.

But the organization also today disclosed plans to open a “neighborhood center” in Albuquerque, N.M., later this year.

Expansion in the Southwestern region of the country comes after several office openings in the Chicago area. HCSC opened a 300-person service center in Chicago’s Pilsen neighborhood last year and a combined office and neighborhood center in Chicago’s Morgan Park neighborhood in 2020, which created more than 330 jobs.

Since 2019, the insurance giant has also opened neighborhood centers in Chicago’s Pullman and South Lawndale neighborhoods.

As one of the nation’s largest insurance companies, HCSC covers nearly 23 million people across the U.S. Aside from Illinois, Texas and New Mexico, HCSC owns and operates Blues plans in Montana and Oklahoma.

HCSC classifies itself as a "mutual legal reserve company," which means it is customer-owned and operates like a nonprofit. The organization hasn’t yet disclosed 2023 revenue, but it reported 2022 net income climbing 20% to nearly $1.5 billion as revenue reached $49.3 billion.

Within the last year, HCSC has made moves to grow the business by focusing on the Medicare Advantage market despite financial and regulatory challenges.

Medicare Advantage plans, which many private insurers now offer, are an alternative to the government's standard Medicare plan. With Medicare Advantage, members often pay to receive Medicare health coverage as well as additional benefits, like dental and vision care.

In its biggest acquisition in recent memory, HCSC agreed to pay $3.3 billion for the Medicare Advantage, Medicare Supplemental Benefits, Medicare Part D and CareAllies businesses of Cigna Group. The Justice Department completed its review of the deal and it’s expected to close in the first quarter of 2025, Cigna CEO David Cordani told investors earlier this month.

Last August, HCSC also announced it would expand Medicare Advantage plans in nearly 100 more counties across its five states.

More in Health Care

corporate health care plans

CDC report details how Chicago's measles outbreak came about

The agency also gave a glowing review of the Chicago Public Health Department's response to the situation at the Pilsen migrant shelter, noting the outcome could have been much worse.

corporate health care plans

Lawsuits begin as Ascension navigates cyberattack

The two complaints, one filed in Illinois, allege Ascension failed to properly safeguard patients' private information and put them at risk of fraud or identity theft.

corporate health care plans

Walgreens touts its own, cheaper brand of opioid antidote naloxone

The pharmacy giant says it's making the drug more affordable and accessible, but one leader of the fight against opioid abuse claims the price tag is still a barrier.

Most Popular

Get our newsletters.

Staying current is easy with Crain's news delivered straight to your inbox, free of charge.

Subscribe today

With a Crain’s Chicago Subscription you get exclusive access, insights and experiences to help you succeed in business.

corporate health care plans

Mark Cuban Calls for Employers to Publish Health-Care Contracts

By Sara Hansard

Sara Hansard

Mark Cuban, the Dallas Mavericks basketball team minority owner who co-founded Cost Plus Drugs, said large employers that pay their own health-care claims should make their health insurance and pharmaceutical contracts publicly available.

Publishing contracts with health-plan administrators and pharmacy benefit managers is “the Number One rule to fix the industry,” Cuban said Monday during a taped interview that aired at a health-care price transparency conference.

“The more transparency for our contracts, the more businesses of all sizes can learn, and we all can become better at what we do,” he said at the event sponsored by the Employers’ Forum ...

Learn more about Bloomberg Law or Log In to keep reading:

Learn about bloomberg law.

AI-powered legal analytics, workflow tools and premium legal & business news.

Already a subscriber?

Log in to keep reading or access research tools.

Ascension Health, largest Catholic hospital chain in the U.S., hit by cyberattack, disrupting patient care

A sign for Ascension Via Christi hospital emergency services

Ascension Health, the nation's largest chain of Catholic hospitals, said Thursday it was responding to a cyberattack that was disrupting its operations.

In a p r ess r elease on its website , Ascension said the attack had caused "disruption to clinical operations" as access to some systems had been interrupted.

"Our care teams are trained for these kinds of disruptions and have initiated procedures to ensure patient care delivery continues to be safe and as minimally impacted as possible," it said.

An Ascension spokesperson did not immediately respond to a request for comment.

The company said it had engaged cybersecurity consulting firm Mandiant to assist in the investigation and remediation process, and had notified law enforcement authorities.

A spokesperson for the FBI did not immediately respond to a request for comment.

The attack follows one that has caused a weekslong disruption to health insurance giant UnitedHealthcare and its affiliates . While UnitedHealth has restored most operations affected by the event, some still remain offline, according to its website. UnitedHealth Group CEO Andrew Witty testified last month that the company had inadequate cybersecurity protocols in place, and that it had paid $22 million in bitcoin to lift the siege of its operations.

According to Becker's Hospital Review, Ascension is the fourth-largest hospital network in the country, with 140 locations in 19 states and Washington, D.C., including major presences in St. Louis and the Chicagoland area.

corporate health care plans

Rob Wile is a breaking business news reporter for NBC News Digital.

What's in this year's federal budget? Here are all of the announcements we already know about

Jim Chalmers stands in front of a vibrant red tree.

Treasurer Jim Chalmers will hand down his third budget on Tuesday night, but has been tempering expectations for weeks in the lead-up, warning Australians not to expect a "cash splash".

Inflation remains a key challenge for the government, and we already have a pretty good idea of how Mr Chalmers plans to use his budget to provide cost-of-living relief while also trying to jump-start a slowing economy and navigate growing uncertainty overseas.

Here are the measures we already know about before the treasurer reveals all at 7:30pm AEST.

Short on time?

A woman looks down at a mobile phone.

There's been no shortage of announcements in the lead-up to the budget. If you're interested in a specific topic, tap on the links below to take you there:

Cost-of-living relief

Education, training and hecs changes, tax changes, future made in australia, health and aged care, paid parental leave, domestic violence, defence and foreign affairs, environment, infrastructure, additional announcements.

Is your area of interest not covered?

  • Tell us what other cost-of-living measures you're hoping to see included in this year's budget .

The bottom line

A graphic drawing of a persons hands typing on a laptop and writing out a budget.

Will the budget be in surplus or deficit?

  • The budget will deliver a surplus of $9.3 billion for the 2023-24 financial year, making it the second consecutive budget surplus in almost two decades
  • That said, the following three financial years are all forecasted to have larger deficits than previously expected in December, but the size of each deficit is not yet known
  • Overall, the treasurer says Australia's total debt has been reduced by $152 billion in the 2023-24 financial year, and the budget will benefit by a $25 billion boost in revenue upgrades

What does the budget mean for inflation and interest rates?

  • The treasurer has repeatedly said he's kept inflation in mind when crafting this year's budget, and is confident that the measures won't contribute to it
  • In fact, Treasury predicts inflation will fall to 2.75 per cent by December — well before the Reserve Bank's most recent forecast for the end of 2025 — due to yet-to-be-announced budget measures taking pressure off inflation
  • For what it's worth, RBA governor Michele Bullock wasn't too concerned about the upcoming budget last Tuesday, saying she  would wait to see its impact first , but she said the treasurer reassured her that he was focused on curbing inflation  

The reworked stage 3 tax cuts form the centrepiece of the government's budget. They were announced in January, legislated in February and come into effect on July 1.

The changes to tax cuts originally legislated by the Morrison government mean that all Australian taxpayers who earn more than $18,200 (that is, more than the tax-free threshold) will get a tax cut.

Before Labor's changes, the original stage 3 tax cuts were skewed more heavily to higher-income earners .

A person with a taxable income between $45,000 and $120,000 will receive a tax cut of $804 more come July 1  under the revised stage 3 changes compared to the Morrison government's tax plan.

However, the government has hinted at other cost-of-living measures, with the treasurer calling the tax cuts the "foundation stone" of broader assistance.

Among those measures appears to be energy bill relief (in addition to what some states have already announced), with the treasurer pointing out that last year's measure curbed living costs and eased inflation.

Adjustments to rent assistance also seem likely, as do increases to JobSeeker and the aged pension.

Back to top

The biggest announcement in this area is the wiping out of $3 billion worth of HECS debts  triggered by last year's indexation of 7.1 per cent.

It means student debts will be lowered for more than 3 million Australians, with the average student receiving an indexation credit of about $1,200 for the past two years.

The debt relief will also apply for apprentices who owe money through the VET Student Loan program or the Australian Apprenticeship Support Loan.

Speaking of university, the government is aiming to tackle "placement poverty" by providing financial support to students to help make ends meet while they complete practical hands-on training as part of their course.

Under the scheme, those studying nursing, teaching or social work will receive a Commonwealth Prac Payment of up to $319.50 a week, but they will be subjected to means testing.

Similarly, apprentices willing to learn clean energy skills as part of their trade will be eligible to receive up to $10,000 in payments . The scheme already exists, but the government has broadened the eligibility to include apprentices in the automotive, electrical, housing and construction sectors based on industry feedback.

Universities will also be required to stop a surge in the number of international students, as part of the government's broader plans to cut annual migration levels back to 260,000 a year — much to the concern of peak education bodies .

Another  $90 million will be put towards 15,000 fee-free TAFE and VET places to get more workers into the housing construction sector , with an extra 5,000 pre-apprenticeship places provided from 2025.

Tradies work on the roof frame of a new home under construction.

While we can expect to hear more about the stage 3 tax cuts, it seems likely that the government will unveil other changes to tax in the budget to encourage business investment.

One such change will be the extension of the government's instant asset write-off scheme for small businesses for another year, allowing businesses with a turnover of less than $10 million to claim $20,000 from eligible assets.

However, the same measure from last year's budget is still yet to pass parliament — and businesses are urgently calling on them to pass the measure before it expires on June 30 .

In addition to spending more to attract skilled workers in the housing and construction sectors, the government is also tipping billions of dollars into building new homes across the country .

It's estimated the government will be putting roughly $11.3 billion towards housing, as the government works to deliver its promised 1.2 million new homes by 2030.

$1 billion will be spent on crisis and transitional accommodation for women and children fleeing family violence and youth through the National Housing Infrastructure Facility, which is re-allocated funding.

The government has also committed to providing $9.3 billion to states and territories under a new five-year agreement to combat homelessness, assist in crisis support, and to build and repair social housing — including $400 million of federal homelessness funding each year, matched by the states and territories.

Another $1 billion will be given to states and territories to build other community infrastructure to speed up the home-building process, including roads, sewerage, energy and water supplies.

The government has also committed to consulting with universities to construct more purpose-built student accommodation.

Overall, the funding announcements for housing build on the $25 billion already committed to new housing investments, with $10 billion of that in the Housing Australia Future Fund, which is designed to help build 30,000 social and affordable rental homes.

The government says the housing funding measures will also help take the pressure off the private rental market, which is experiencing record-low vacancy rates and surging growth in weekly rent prices.

High density housing with predominantly dark roofs.

Aside from the revised stage 3 tax cuts, the revival of local manufacturing is the other centrepiece of the government's budget this year.

The Future Made in Australia Act (which is often referred to without the "act" on the end) is bringing together a range of new and existing manufacturing and renewable energy programs under one umbrella, totalling in excess of $15 billion.

In other words, the government is putting serious taxpayer money towards supporting local industry and innovation, especially in the renewable energy space.

A number of measures have already been announced (or re-announced), including:

  • $1 billion for the Solar SunShot program to increase the number of Australian-made solar panels
  • $2 billion for its Hydrogen Headstart scheme to accelerate the green hydrogen industry
  • $470 million to build the world's first "fault-tolerant" quantum computer in Brisbane , matching the Queensland government's contribution
  • $840 million for the Gina Rinehart-backed mining company Arafura to develop its combined rare earths mine and refinery in Central Australia
  • $230 million for WA lithium hopeful Liontown Resources , which is also partly owned by Gina Rinehart
  • $566 million over 10 years for Geoscience Australia to create detailed maps of critical minerals under Australia's soil and seabed
  • $400 million to create Australia's first high-purity alumina processing facility in Gladstone
  • $185 million to fast-track Renascor Resources' Siviour Graphite Project in South Australia
  • A $1 billion export deal to supply Germany with 100 infantry fighting vehicles , manufactured at Rheinmetall's facility in Ipswich

A cluster of houses at Alkimos Beach all with rooftop solar panels.

All up, the government is spending an extra $8.5 billion on health and Medicare in this year's federal budget, with $227 million of that put towards creating another 29 urgent care clinics.

Millions of dollars are also being poured into medical research, including $20 million for childhood brain cancer research , and a $50 million grant for Australian scientists developing the world's first long-term artificial heart .

Another $49.1 million is being invested to support people who have endometriosis and other complex gynaecological conditions such as chronic pelvic pain and polycystic ovarian syndrome. The funding will allow for extended consultation times and increased rebates to be added to the Medicare Benefits Schedule.

As for aged care, the government hasn't announced anything specific for the sector, nor has it outlined its response to the Aged Care Taskforce report that was delivered in March.

Parents accessing the government-funded paid parental leave scheme will be paid superannuation in addition to their payments from next July .

Under the current program, a couple with a newborn or newly adopted child can access up to 20 weeks of paid parental leave at the national minimum wage — however that figure will continue to rise until it reaches 26 weeks in July 2026 .

The plan, which Labor will take to the next election, would see superannuation paid at 12 per cent of the paid parental leave rate, which is based on the national minimum wage of $882.75 per week.

The cost to the budget is not yet known, however a review commissioned by the former government estimated that paying super on top of paid parental leave would cost about $200 million annually.

About 180,000 families access the government paid parental leave payments each year.

A newborn baby peeps over a woman's shoulder.

The federal government has pledged almost $1 billion to combat violence against women , including permanent funding to help victim-survivors leave violent relationships, and a suite of online measures to combat online misogyny and prevent children from viewing pornography.

The $925.2 million will go towards permanently establishing the Leaving Violence Program over five years, after it was established as a pilot program in October 2021 known as the Escaping Violence Program.

The program will provide eligible victim-survivors with an individualised support package of up to $1,500 in cash and up to $3,500 in goods and services, plus safety planning, risk assessment and referrals to other essential services for up to 12 weeks.

While the funding has been broadly welcomed, survivors and advocates want to see more investment .

The package also includes funding to create a pilot of age verification technology to protect children from harmful content, including the "easy access to pornography" online, which the government says will tackle extreme online misogyny that is "fuelling harmful attitudes towards women".

The federal government is planning to spend an extra $50 billion on defence over the next decade , meaning Australia's total defence spend will be equivalent to 2.4 per cent of its gross domestic product (GDP) within 10 years.

All up, the government is planning to invest a total of $330 billion through to 2033-34, which includes the initial cost for the AUKUS initiative to purchase nuclear-powered submarines.

Part of that $50 billion will be spent on upgrading defence bases across northern Australia, with $750 million to be allocated in the budget for the "hardening" of its bases in the coming financial year.

More than $1 billion of that funding will also be spent on an immediate boost on long-range missiles and targeting systems.

In the Pacific, Australia has committed $110 million to fund development initiatives in Tuvalu , including an undersea telecommunications cable and direct budget support.

The government has also pledged $492 million to the Asian Development Bank to provide grants to vulnerable countries in the Asia-Pacific.

An aerial photograph of a black submarine at the surface of the sea

The only dedicated announcement for the environment so far is the scrapping of the waste export levy , also known as a "recycling tax".

The proposed $4 per tonne levy was first legislated by the Morrison government in 2020 in a bid to reduce and regulate waste exports, after China announced it would no longer handle Australian rubbish.

Waste industry players had been concerned that once the levy was introduced in July, it would have caused more waste to be sent to landfill instead of being recycled.

The scrapping of the waste export levy is part of Australia's broader move to manage its own waste.

A slew of funding commitments have been made around the country, including a $1.9 billion funding commitment for upgrades in Western Sydney, ranging from road improvements to planning projects and train line extensions.

The government is also putting $3.25 billion towards Victoria's North East Link, which is being built between the Eastern Freeway and M80 Ring Road in Melbourne.

Ahead of the Brisbane Olympics in 2032, the government is also chipping in $2.75 billion to fund a Brisbane to Sunshine Coast rail link , matching the amount promised by Queensland Premier Steven Miles. (That said, $1.6 billion had been previously announced by the federal government.)

Also in Queensland, the Bruce Highway will receive $467 million for upgrades, while Canberra will receive $50 million to extend its light rail.

A proposed high-speed train line between Sydney and Newcastle will also receive $78.8 million to deliver a business case for the project.

The government will also put $21 million towards the creation of a national road safety data hub.

Cars driving aklong the highway. A electronic speed sign says the limit is 110 kilometres per hour.

There are several other funding commitments the government has made in the lead-up to the budget that don't fit neatly into the categories above.

The government will spend $161.3 million on creating a national firearms register , which will give police and other law-enforcement agencies near real-time information on firearms and who owns them across the states and territories.

The money will be spent over four years to establish the register, and comes after state and territory leaders agreed to set up the register in December last year. The government has described the register as the biggest change to Australia's firearm management systems in almost 30 years.

Another $166.4 million will be spent on expanding anti-money-laundering reporting obligations , requiring real estate agents, lawyers and accountants to report dodgy transactions in a move that will bring Australia in line with the rest of the developed world.

And ahead of the 2032 Brisbane Olympic Games, the government has given the Australian Institute of Sport (AIS) a $249.7 million funding boost to upgrade its facilities to support local athletes.

The government has also committed to a $107 million support package for farmers, after announcing it will end Australia's live sheep export trade by 2028 .

Farmers and regional communities will also benefit from a $519.1 million funding boost to the government's Future Drought Fund.

  • X (formerly Twitter)
  • Business, Economics and Finance
  • Cost of Living
  • Economic Growth
  • Economic Trends
  • Federal Government
  • Money and Monetary Policy

Expedia Rewards is now One Key™

Elektrostal, visit elektrostal, check elektrostal hotel availability, popular places to visit.

  • Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

  • Cities near Elektrostal

Photo by Ksander

  • Places of interest
  • Yuri Gagarin Cosmonaut Training Center
  • Central Museum of the Air Forces at Monino
  • Peter the Great Military Academy
  • History of Russian Scarfs and Shawls Museum
  • Balashikha Arena
  • Ramenskii History and Art Museum
  • Balashikha Museum of History and Local Lore
  • Bykovo Manor
  • Pekhorka Park
  • Malenky Puppet Theater
  • Drama Theatre BOOM
  • Likino Dulevo Museum of Local Lore
  • Pavlovsky Posad Museum of Art and History
  • Saturn Stadium
  • Noginsk Museum and Exhibition Center
  • Fairy Tale Children's Model Puppet Theater
  • Fifth House Gallery
  • Church of Vladimir
  • Malakhovka Museum of History and Culture
  • Orekhovo Zuevsky City Exhibition Hall

dateandtime.info: world clock

Current time by city

For example, New York

Current time by country

For example, Japan

Time difference

For example, London

For example, Dubai

Coordinates

For example, Hong Kong

For example, Delhi

For example, Sydney

Geographic coordinates of Elektrostal, Moscow Oblast, Russia

City coordinates

Coordinates of Elektrostal in decimal degrees

Coordinates of elektrostal in degrees and decimal minutes, utm coordinates of elektrostal, geographic coordinate systems.

WGS 84 coordinate reference system is the latest revision of the World Geodetic System, which is used in mapping and navigation, including GPS satellite navigation system (the Global Positioning System).

Geographic coordinates (latitude and longitude) define a position on the Earth’s surface. Coordinates are angular units. The canonical form of latitude and longitude representation uses degrees (°), minutes (′), and seconds (″). GPS systems widely use coordinates in degrees and decimal minutes, or in decimal degrees.

Latitude varies from −90° to 90°. The latitude of the Equator is 0°; the latitude of the South Pole is −90°; the latitude of the North Pole is 90°. Positive latitude values correspond to the geographic locations north of the Equator (abbrev. N). Negative latitude values correspond to the geographic locations south of the Equator (abbrev. S).

Longitude is counted from the prime meridian ( IERS Reference Meridian for WGS 84) and varies from −180° to 180°. Positive longitude values correspond to the geographic locations east of the prime meridian (abbrev. E). Negative longitude values correspond to the geographic locations west of the prime meridian (abbrev. W).

UTM or Universal Transverse Mercator coordinate system divides the Earth’s surface into 60 longitudinal zones. The coordinates of a location within each zone are defined as a planar coordinate pair related to the intersection of the equator and the zone’s central meridian, and measured in meters.

Elevation above sea level is a measure of a geographic location’s height. We are using the global digital elevation model GTOPO30 .

Elektrostal , Moscow Oblast, Russia

An official website of the United States government

Here's how you know

Official websites use .gov A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS A lock ( ) or https:// means you've safely connected to the .gov website. Share sensitive information only on official, secure websites.

corporate health care plans

Congressional hearing to focus on healthcare consolidation

Take the right steps to secure your patient data, are you looking for the right business plan.

corporate health care plans

Sanatorium Valuyevo

corporate health care plans

View prices for your travel dates

  • Excellent 13
  • Very Good 22
  • All languages ( 65 )
  • Russian ( 65 )
  • English ( 0 )

corporate health care plans

Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.

SANATORIUM VALUYEVO

IMAGES

  1. FREE Healthcare Business Plan Template

    corporate health care plans

  2. Health Care Plan Template

    corporate health care plans

  3. How to compare different corporate health cover plans

    corporate health care plans

  4. Corporate Wellness Programs

    corporate health care plans

  5. Workplace Health in Harford County, Maryland

    corporate health care plans

  6. Transfer your Corporate health insurance plan to Individual plan- Ditto

    corporate health care plans

VIDEO

  1. Biggest Disadvantages of Corporate Health Insurance Policy

  2. Extended Care Plans Made Easy

  3. Outpatient Behavioral Health Care

  4. President Obama on HealthCare.gov, keeping canceled plans

  5. ClaimTek Medical Billing Business

  6. Lift Cancer Care Services: Enhanced Primary Care and Mental Health Care Plans

COMMENTS

  1. Health insurance for small business

    UnitedHealthcare's employer-sponsored insurance plans serve groups that fall into three categories: Small Group plans refer to employers with up to 100 employees; Key Accounts is for employers with 101 to 5,000 employees; and National Accounts serves employers with more than 5,000 employees. Learn more about large business health insurance.

  2. Group Health Insurance Plans for Employers

    View Cigna Healthcare Company Names. **. Learn to turn your company's health care into an investment with Cigna Healthcare. Explore employer health insurance plans that are best suited to you and your workforce. Choose benefit solutions based on group size, industry, and product.

  3. Health insurance for businesses

    A group health insurance plan, like a plan purchased through the Small Business Health Options Program (SHOP) or otherwise from a private insurance company, provides coverage to eligible employees. Business owners can offer their employees one plan or a selection of plans to choose from. Small employers (generally those with 1-50 employees) may ...

  4. Group Health Insurance Medical Plans

    Employer Health Insurance Plans. Our personalized whole health approach and a deep engagement with health care providers gives your employees access to the right level of care at the right time. Through partnerships such as Cigna Collaborative Care ®1 and Cigna Care Network ® —which are embedded in all our medical networks—providers continuously collaborate to improve health outcomes and ...

  5. Group Health Insurance Plans & Benefits for Employers

    Years of experience and strategic insights come together for you. Our flexible solutions and meaningful connections help engage employees, improve health outcomes and lower costs. Through it all, your employees have access to the right benefits to get the quality care they need. Together, we can make healthier happen.

  6. Corporate Health Insurance

    For more information. Some plan options, products, and riders not available in all Kaiser Permanente areas. Our corporate health insurance plans will help you create a total care solution that keeps your employees healthy and everyone's costs low. Get a free quote.

  7. Best Small-Business Group Health Insurance Plans

    Best overall: Blue Cross Blue Shield. Best for low-cost plan options: Kaiser Permanente. Best for transparency: UnitedHealthcare. Best for customer service: Humana. Best for health expense funds ...

  8. Best Corporate Health Insurance Plan Comparisons

    2. Employee Feedback: Engage with your employees to understand their needs and preferences. This feedback can be invaluable in selecting a plan that meets the needs of the majority. 3. Expert Consultation: Consulting with healthcare experts and insurance advisors can provide insights into the latest trends and best practices in corporate health ...

  9. Small Business Health Options Program

    Learn how to get health insurance for employees. Marketplace for Small Business, 50 employees or fewer. Small Business Health Options Program details. ... You now have more ways to contribute to your employees' health care costs — with Health Reimbursement Arrangements (HRAs). Use this guide to help you compare coverage options, like HRAs ...

  10. Group Health Insurance: What It Is, How It Works, Benefits

    Group Health Insurance Plan: A group health insurance plan is an insurance plan that provides healthcare coverage to a select group of people. Group health insurance plans are one of the major ...

  11. Small Business Health Insurance Plans & Group Options

    Group health insurance plans are categorized as either indemnity plans (also known as "traditional indemnity," "fee-for-service," or "FFS" plans) or managed care plans. Indemnity and managed care plans differ in their basic approach. The major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid:

  12. What is Group Health Insurance & How do Plans Work?

    Group health insurance plans refer to healthcare coverage that is purchased for a group, typically by employers, business owners, or association heads. As opposed to individual health insurance plans that allow anyone to enroll through a marketplace insurance provider, group medical insurance only permits select members or employees of the ...

  13. Guide to Group Health Insurance

    A group health plan is most commonly a medical insurance policy an employer offers its employees. The plans are usually the cheapest insurance options if you have access to them. Federal law requires all businesses with 50 or more full-time employees offer a health insurance plan that meets the Affordable Care Act's minimum essential coverage ...

  14. Group health insurance plans for employers

    HealthPartners and HealthPartners UnityPoint Health offer group medical insurance and group dental insurance to organizations based in Minnesota, Wisconsin, North Dakota, South Dakota and Iowa. Our national solutions serve members across the country. We also offer retiree group Medicare plans. Our comprehensive, research-based approach to ...

  15. What Is Commercial Health Insurance?

    Commercial health insurance, also called private health insurance, is coverage issued by a private company or entity. It is not from government-issued insurance like Medicare or Medicaid ...

  16. Best Small Business Health Insurance Providers Of 2024

    Summary: Best Health Insurance for Small Business Owners. Kaiser Permanente and Blue Cross Blue Shield are the best health insurance companies for small business owners, based on Forbes Advisor ...

  17. Employers

    We will work with you to offer the tools you need to care for your employees' full health—mental, physical and emotional. Together, we can address behavioral health at every level: Improving access to mental health providers through quality, affordable care. Integrating care to embrace the whole person and drive value.

  18. Legal battle over health costs could change workplace benefits

    An emerging legal battle over workplace health insurance could empower employees to fight back against high costs and put new pressure on their employers.. Why it matters: Workers fed up with rising health care costs, which also eat into their wages, are filing lawsuits aiming to hold employers accountable for cutting what they say are bad deals with firms that manage their health benefits.

  19. HCSC opening corporate office in Houston

    May 15, 2024 02:53 PM updated 11 hours ago. Health Care Service Corp., the Chicago-based parent company of five Blue Cross & Blue Shield plans, is expanding its corporate presence in Texas with a ...

  20. Mark Cuban Calls for Employers to Publish Health-Care Contracts

    Publishing contracts with health-plan administrators and pharmacy benefit managers is "the Number One rule to fix the industry," Cuban said Monday during a taped interview that aired at a health-care price transparency conference. "The more transparency for our contracts, the more businesses of all sizes can learn, and we all can become ...

  21. Ascension Health, largest Catholic hospital chain in the US, hit by

    Ascension Health, largest Catholic hospital chain in the U.S., hit by cyberattack, disrupting patient care The attack follows another one that has caused a weekslong disruption to insurance giant ...

  22. The Deloitte Global 2024 Gen Z and Millennial Survey

    Download the 2024 Gen Z and Millennial Report. 5 MB PDF. To learn more about the mental health findings, read the Mental Health Deep Dive. The 13th edition of Deloitte's Gen Z and Millennial Survey connected with nearly 23,000 respondents across 44 countries to track their experiences and expectations at work and in the world more broadly.

  23. Flag of Elektrostal, Moscow Oblast, Russia : r/vexillology

    Business, Economics, and Finance. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. Crypto

  24. What's in this year's federal budget? Here are all of the announcements

    Health and aged care. All up, the government is spending an extra $8.5 billion on health and Medicare in this year's federal budget, with $227 million of that put towards creating another 29 ...

  25. Visit Elektrostal: 2024 Travel Guide for Elektrostal, Moscow ...

    Cities near Elektrostal. Places of interest. Pavlovskiy Posad Noginsk. Travel guide resource for your visit to Elektrostal. Discover the best of Elektrostal so you can plan your trip right.

  26. Geographic coordinates of Elektrostal, Moscow Oblast, Russia

    Geographic coordinates of Elektrostal, Moscow Oblast, Russia in WGS 84 coordinate system which is a standard in cartography, geodesy, and navigation, including Global Positioning System (GPS). Latitude of Elektrostal, longitude of Elektrostal, elevation above sea level of Elektrostal.

  27. Small Business

    Small employers (generally those with 1-50 employees) may be able to enroll in Small Business Health Options Program (SHOP) plans through an insurance company or with the assistance of a SHOP-registered agent or broker. How to enroll. See plans & prices.

  28. ICYMI: NCPA applauds DOJ task force on vertical integration and

    Last Monday, NCPA announced its support of a new U.S. Department of Justice task force focused on corporate monopolies in the health care sector, launched on May 9. The task force, which NCPA CEO Douglas Hoey praised as "encouraging" and "long overdue," will target consolidation and collusion in the health care industry, preventing patients from affordable, accessible services and ...

  29. SANATORIUM VALUYEVO

    3.5. Very good. 64 reviews. Location 4.2. Cleanliness 3.5. Service 3.7. Value 3.6. The sanatorium "Valuevo" is a historical health resort located in a unique location of the New Moscow on the territory of 30 hectares of the ancient noble estate of Count Musin-Pushkin with a perfectly preserved architectural ensemble and a landscape park, in an ...