Hartford Business Journal

www.HartfordBusiness.com April 10, 2017 • Hartford Business Journal 11 small business Your Business is Our Business Flexibility, Choice and Savings with Access Health CT Small Business By Access Health CT Staff Access Health CT (AHCT) is ramping up its focus on its Small Business initiative. With AHCT, small businesses have the fl exibility, choice and convenience for quality healthcare. "We are happy to be sharing with the business community the benefi ts of Access Health CT's Small Business program. It's incredibly rewarding to know that the business owners appreciate what our Small Business program can bring them," said John Carbone, AHCT Small Business Sales Manager. AHCT Small Business plans are available for small businesses in Connecticut who have 50 or fewer full-time equivalent (FTE) employees. If employers are uncertain of the numbers of FTE employees they have, the AHCT Small Business website, AccessHealthCTSmallBiz.com, has information on calculating this number. Flexibility With AHCT Small Business, coverage can be offered to both full-time and part-time employees. Employers can pay for all or only part of their employees' premiums. AHCT Small Business plans also allow employers to set a specifi c defi ned contribution. All of the employers' contributions toward premiums are also tax deductible. That means you control the coverage you offer and how much you pay toward employee premiums. Additionally, starting coverage any month of the year makes the plans fl exible for employers. There are no lock out dates of when the coverage must start. AHCT Small Business has created a streamlined process with one universal form for enrollment. There is also one single itemized bill for all employees and all coverages. Choice Employers have the choice of offering one or more plans from one local source. Plan options are categorized into what are typically called the "metal levels" – platinum, gold, silver, and bronze. Employers can choose to offer only one plan for all employees or up to one plan per employee. Employers can also choose to provide both medical and dental plans to their employees. No extra lines of coverage need to be purchased. Savings Doing business in Connecticut is expensive, and the cost of healthcare is one reason why. AHCT Small Business is the only place in Connecticut where employers may qualify for tax credits. To qualify for the tax credit, a small business must have no more than 25 FTE employees, contribute at least 50% of the insurance premiums (35% for non-profi ts), and pay an average annual wage of $51,000 or less. An online savings calculator is available at AccessHealthCTSmallBiz.com to estimate what your savings can be. Employers can fi nd out more information about all of the benefi ts of AHCT Small Business at AccessHealthCTSmallBiz.com or by calling 1-855-762-4928. We're Here for You – Access Health CT Small Business Team By Access Health CT Staff Small businesses and non- profi ts alike are working with Access Health CT (AHCT) Small Business to provide quality health insurance coverage to their employees. The AHCT Small Business team is here to help small businesses through every step of the process. The sales team and our brokers will personally guide employers through planning health insurance coverage strategies, selecting the right plan and contribution model, enrolling and setting up accounts and renewing for next year. Once the plans are established, it's easy to keep things going. A secure online self-service site that is accessible at AccessHealthCTSmallBiz.com, allows employers to make account changes, payments and to add or remove employees. With a dedicated customer service line specifi cally for employers, the customer service reps are knowledgeable about the resolution of issues that may arise. They can typically resolve issues within 48 hours. Here's what some of our customers have to say about us: Phill G. – Co-founder of a Connecticut small business: "We're a small company with 19 highly skilled and very valuable employees. Providing great health insurance options with the minimal amount of paperwork and expense is critical to us and our team. The process has proved much simpler than dealing with insurers and large brokers directly. The plans are strong, the rates are the lowest we've seen, and there are several convenient plan options. If we have any questions, we get a complete answer and we get it quickly. They by far are the simplest and most cost effective solution we have found." Jayne P. – Practice Administrator at a physician's offi ce: "We have been utilizing [Access Health CT Small Business] to obtain health insurance now for two years…We love working with them as they are professional, effi cient, and always helpful. I would recommend using [Access Health CT Small Business] for all small businesses. They really give it a personal touch with everything they do." The AHCT Small Business team is here to help employers with their healthcare needs. Get a Quote Today! 1-855-762-4928 AccessHealthCTSmallBiz.com SPONSORED CONTENT

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