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Benefits for Employers Offering Small Group Plans

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Small business owners mistakenly believe they either cannot afford to offer benefits to their employees or that they only need to offer the minimum health benefits to them. Today, employees are looking for a more! They want a diverse benefits package that fits their needs. And while going without these types of benefits may save your business money upfront, it can hinder your success in the long run. There are also numerous advantages for employers who offer employee benefits. For example, by providing a well-rounded benefits package, you have a better opportunity to attract and retain quality employees who are committed to the future of

Ways to Improve Remote Worker Communications

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A key to success in any business is great communication between an employer and its employees. Whether you are hosting a meeting, emailing back and forth, putting together a proposal or on the phone with a client, communication is at the forefront of everything. There is a big shift in employers offering their employees the option to work remotely or from home— it is the way of the future for a modern-day workplace.  While this is a huge benefit for employees, it can often lead to new challenges for managers trying to engage and motivate their team. Even with the presence of advanced communication technology

Understanding the Different Types of Health Plans – PPO, HMO, HDHP, EPO

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It’s good to have choices when it comes to health insurance that way you can find one that best suits you as an individual or you and your family. While there are a variety of health plan options to choose from, the most common plan types are an HMO, PPO, HDHP and EPO. Generally speaking, the difference in most health plans includes the size of the plan network, the ability to see specialists, the plan costs and the coverage for out-of-network services. Let’s take a closer look at each plan type to see how they’re alike, how they differ, and how you can choose the

What’s a Stay Interview and How Can It Save Your Business Money

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As a business, it is important to know how your employees feel about their job and what improvements can be made to make not only them, but your business, more successful. If you are looking to improve engagement and retain key employees, there is one simple step you can take – a “stay” interview. Stay interviews are designed to engage employees before they become dissatisfied. But you have to do them correctly. It takes more time, money and resources to find or replace an employee than it does to retain them. That’s why conducting a stay interview is so important. To pull off a perfect

How to Use Rx or Prescription Benefits

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One might argue that access to affordable prescription drugs is just as important as the ability to choose your own doctor. That’s why many health insurance policies include a prescription drug benefit. If you plan on taking prescription medications – whether for long term or short-term treatment, here’s a deeper look at how to use your Rx or prescription benefits. If you or someone in your family takes regular prescription medication, it’s important to understand how that’s covered in your health insurance policy. In some health plans, you’ll have to reach your annual deductible before the insurance company starts helping pay for the cost of

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Steve Grady Insurance Services

4540 Kearny Villa Road

Suite 203

San Diego, CA 92123

Phone: (619) 222-0119

Fax: (619) 223-2706

Steve@SteveGrady.net

CA Lic. #0E24711, 0H65110