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Health Insurance | Medicare | Employee Benefits | Life Insurance | West Virginia | Virginia | Songer Benefits
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Today’s business owners and managers in West Virginia are too busy to pay attention to the ongoing logistics of the company’s health insurance and employee benefits insurance plan. This is one reason you should partner with a competent insurance broker for help designing, executing, and managing your group plan. They’ll even have a wider variety of insurance and benefit options for you to take advantage of.

Songer Benefits Insurance Agency has been assisting businesses nationwide by enabling them to provide their employees with a way to care for their and their family’s well-being. For over ten years, being in the insurance industry has permitted us to network with some top insurance carriers. Songer Benefits offers the education, resources, and expertise you need and deserve to succeed. Let our licensed and experienced insurance agent guide you through a variety of insurance and benefits-related issues, including:

  • Group Benefit Plans including Group Health Insurance, Group Dental Insurance, and Group Vision Insurance)
  • Short and long-term disability insurance
  • Section 125 Cafeteria
  • Life Insurance
  • Long-Term Care
  • ACA Navigation
  • Worker’s Compensation
  • Employee Termination and More

West Virginia Large Group Health Insurance Benefits Plans

For large businesses in West Virginia, rising costs are an ongoing concern regarding offering health insurance that exceeds the needs of employees and follows the ACA guidelines. Premiums have increased by 23 percent over the last decade, with many companies implementing cost-saving mechanisms like increased deductibles. Even with the high inflation rate, large employers note that spending on health insurance has been increasing faster than overall inflation—with no apparent signs of slowing.

The ACA requires that insurance plans include coverage for ten essential benefits, which are defined as necessary for the patient protection act:

  1. Ambulatory patient services (outpatient care)
  2. Emergency room services
  3. Hospitalization, including surgical and medical services
  4. Maternity and newborn care for women, including baby delivery
  5. Mental health and substance use disorder services
  6. Prescription drugs
  7. Rehabilitative services and devices
  8. Laboratory services
  9. Preventative and wellness benefits, including chronic disease management
  10. Pediatric services that include dental and vision care for children under the age of 19

Many states, including West Virginia, have been added to that list. For example, West Virginia requires covered care for skilled nursing, clinical trials, diabetes treatment, and reconstructive surgery after a mastectomy. However, companies that self-fund their benefits (usually larger businesses) can avoid the state-specific requirements. For example, 69 percent of employers fully self-fund their health insurance in West Virginia.

West Virginia Small Business Health Insurance Plans

Small companies have undergone an even more significant negative impact from inflation on the cost of health insurance to their employees than large businesses. In just one year, prices for smaller businesses have shot up nearly ten percent. Still, the ACA requires that companies providing insurance meet the affordability standard of a premium that does not exceed 9.62 percent of the employee’s gross income. The insurance policy must also cover the ten essential benefits (West Virginia added benefit coverage mandates).

Small companies may find support through the SHOP marketplace (Small Business Health Options), which your Songer Benefits Insurance agent can help you explore to find programs that meet your company’s needs.

West Virginia Employee Benefit Plans and Employee Benefit Packages

West Virginia doesn’t require paid and unpaid time off for employees; this does not include public interest requirements like jury duty, military service, and time to vote, all of which may be taken without pay. However, many corporations offer time off to stay competitive and supply their employees with the ability to refresh and relax, seek personal interests, and seek a beneficial work-life balance.

In many cases, employers in West Virginia offer other benefits, including dental care, vision coverage, and wellness programs.

Contact Songer Benefits for the Right Group Health and Benefit Plan

Call us today to learn about our health and benefit options for employees. Our insurance brokers will help you implement a plan that meets everyone’s needs. Once you are satisfied, we will provide you with a FREE quote!

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Songer Benefits, Inc.
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Eat Your Heart OutEat Your Heart Out
21:31 09 Apr 22
Great customer service. Heard my needs and met each and every one of them
Emily MillerEmily Miller
20:59 07 Feb 22
Steven was very quick and friendly throughout the whole process. He made it much easier for me to understand my options.
Andrea HanesAndrea Hanes
21:46 12 Oct 21
Steven is very prompt with response. He is very professional and knowledgeable at what he does. He is also diligent in finding the best price. I wish I had known about him sooner. I would highly recommend him for all of your insurance needs.
Jessica CarpenterJessica Carpenter
17:43 12 Oct 21
Was referred to Mr. Songer and was able to receive the information needed. Mr. Songer was also professional and efficient.
kristi snyderkristi snyder
23:13 07 Oct 21
Steven is professional and takes care of the people he serves in a timely manner. Highly recommend him for your needs.
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From Our Blog

  • Medicare Plans Princeton West Virginia
  • Medicare Plans in Charleston West Virginia
  • Medicare Supplement (Medigap) Plan in West Virginia
  • Group Health Insurance for Small Business West Virginia
  • Group Dental Insurance in West Virginia & Virginia

Not connected with or endorsed by the U.S. government or the federal Medicare program.

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