HCapStrategy
Health Insurance Nebraska: Innovative Solutions for Small Businesses
At HCapStrategy, we’re revolutionizing health insurance Nebraska small businesses can afford and rely on. Our unique approach to health insurance Nebraska employers need combines traditional plans with innovative solutions, dramatically increasing benefits while saving you money. We understand the complex landscape of health coverage in the Cornhusker State, and we’re here to guide you through it.
Transforming Health Insurance Nebraska Small Businesses Deserve
Health Insurance Solutions for Nebraska Business Owners
Base Health Insurance Plans + HealthShare + Health Savings Account = Unbeatable Value Nebraska's small business owners face unique challenges in providing quality health insurance. That's why we've crafted a groundbreaking solution for health insurance Nebraska entrepreneurs can trust: Eliminate high premiums and deductibles that often burden small businesses Increase Health Savings Account contributions, empowering employees to manage their health expenses Offer traditional group plans and open market options for those who prefer conventional coverage Our innovative approach ensures that you're not just getting health insurance Nebraska regulators approve of, but a comprehensive solution that truly benefits your business and employees.
Why Choose HCapStrategy for Health Insurance Nebraska?
- Innovative Approach: Our health insurance Nebraska solutions combine base health insurance, HealthShare programs, and Health Savings Accounts to provide superior coverage at lower costs. This unique blend allows us to offer benefits that traditional insurers simply can’t match.
- Customized Plans: We tailor health insurance Nebraska small businesses need to fit your unique requirements and budget. No two businesses are alike, and your health insurance shouldn’t be either.
- Employee Benefits: Our health insurance Nebraska plans typically INCLUDE contributions to your employees’ Health Savings Accounts. This added benefit helps attract and retain top talent in a competitive job market.
- Cost-Effective: Save thousands on health insurance Nebraska small businesses often overpay for, while getting better benefits than traditional insurance. Our innovative model allows us to pass significant savings on to you.
- Local Expertise: As specialists in health insurance Nebraska businesses need, we understand the local healthcare landscape and can guide you to the best providers and facilities in your area.
Health Insurance Nebraska
Health Insurance Nebraska Small Businesses Can Afford
We believe that quality health insurance Nebraska employers offer shouldn’t break the bank. Our rates for health insurance Nebraska employees deserve are transparent and competitive:
- Employee only: $398/month (includes $100/month to HSA)
- Employee + spouse/children: $655/month (includes $155/month to HSA)
- Family coverage: $910/month (includes $225/month to HSA)
Pricing shown is for employees aged 18-29. Contact us for rates for other age groups.
These rates not only provide comprehensive coverage but also contribute to your employees’ Health Savings Accounts, offering additional financial security for healthcare needs.
Here’s a breakdown of our coverage costs:
Why Health Insurance Nebraska Matters for Small Businesses
Talent Attraction and Retention:
In today's competitive job market, quality health insurance Nebraska employers offer can be the deciding factor for top talent choosing between job offers. Enhanced Employee Satisfaction and Loyalty: When employees know their health needs are covered, they're more likely to be satisfied with their jobs and loyal to your company.
Financial Protection:
Comprehensive health insurance Nebraska small businesses provide protects both employees and the company from the potentially devastating costs of unexpected medical expenses. Improved Productivity: Employees with access to good health insurance are more likely to seek preventive care and address health issues early, leading to fewer sick days and higher productivity.
Corporate Responsibility:
Offering health insurance demonstrates your commitment to employee well-being, enhancing your company's reputation within the community and industry. Tax Benefits: Small businesses may qualify for tax credits when offering health insurance, providing additional financial incentives.
Healthier Workforce:
Access to regular healthcare leads to a healthier, more resilient workforce, benefiting both employees and the company's bottom line.
Who We Work With:
Better HSA and medical benefits administration, at a fraction of a cost
- Base health
- ACA Compliance
- Health Savings Acct or Copay
- Telemedicine
- Dental
- Vision
- Mental Wellness
- 401k
Sharing risk and avoiding financial tragedy from unexpected health events
- hospitalization
- Surgery
- Accident/Injury
- Critical Illness
- Maternity
- Low out of pocket
- Affordable
- No deductibles
Lower premiums, better benefits, and smarter insurance.
- Cost Savings
- Better Benefits
- Get Motivized!
- HSA’s
Key Features of Our Health Insurance Nebraska Plans
Flexible Coverage Options: Our health insurance Nebraska businesses can customize includes a range of options. From basic medical coverage to comprehensive plans including dental and vision, we help you select the perfect combination for your team.
Cost-Effective Solutions: We understand that Nebraska small businesses often have limited resources. Our health insurance plans offer competitive rates and cost-saving opportunities, helping you provide valuable benefits without straining your finances.
Employee Wellness Programs: All our health insurance Nebraska plans include wellness initiatives aimed at promoting employee health and reducing long-term healthcare costs. These may include preventive care incentives, health screenings, and programs to support healthy lifestyles.
Accessibility: We ensure the health insurance Nebraska employees receive is easy to understand and use. Whether it’s adjusting deductibles, choosing between different plan types, or adding supplemental coverage, our plans provide the flexibility to accommodate diverse workforce needs.
Telemedicine Options: In today’s digital age, we include telemedicine services in our health insurance Nebraska plans, allowing employees to access healthcare conveniently and efficiently.
Prescription Drug Coverage: Our plans include comprehensive prescription drug coverage, helping employees manage both acute and chronic health conditions affordably.
Compare Us To Traditional Health Insurance Plans
| Comparison | Traditional Insurance | HCap Strategy |
|---|---|---|
| Has a Monthly Premium | ||
| Has a Monthly Membership Rate that is likely substantially less than a premium | ||
| Provides protection against expensive health events | ||
| Usually have to continue to pay for expenses after your deductible is met through coinsurance | ||
| Once you pay your Initial Unshareable Amount (IUA) all other expenses are covered for this event | ||
| Very likely that your max out of pocket will be substantially less with an event | ||
| Covers preventative doctor visits | ||
| Has terms like Deductible, Coinsurance, Premiums Etc | ||
| Has terms like IUA, Monthly Membership Rate | ||
| Can address pre-existing conditions | ||
| Has prescription drug benefit | ||
| Provides a Heath Savings Account (HSA) benefit | ||
| Has an option to add a Dental plan | ||
| Has an option to add Vision plan | ||
| Has Consolidated Billing | ||
| Generally requires you to use a specified "network" for best procedure price | ||
| Gives you more control over deciding where to have a procedure performed | ||
| Will work with the doctor, hosptial, surgical center to pay your bill for you | ||
| When at the hosptial, you present yourself as a "Self Pay" customer | ||
| Does the best job at finding the best value for surgeries, procedures and care | ||
| Eliminates a lot of expense entailed with Traditional Insurance | ||
| Includes a death benefit automatically for no additional cost | ||
| Includes a Wellness Program called Doable Wellness that incentivizes healthy behaviors and includes an invitation for quarterly Body Scans. | ||
| Included incentive for proactive healthy behaviors like exercise, healthy eating, mindfulness activities and more using Doable Wellness | ||
| Provides The Dinnerhub to simplify getting Healthy Dinner on the Table | ||
| Provides The Exercisehub for at home Doable Workouts |
What sets us apart in the world of health insurance Nebraska providers? It’s our commitment to innovation and customer service:
- Personalized Guidance: Our team of insurance specialists provides expert, hands-on guidance throughout the process. We help you navigate the complexities of health insurance for small businesses in Nebraska, ensuring you make informed decisions about your coverage options.
- Ongoing Support: Our relationship doesn’t end once you choose a plan. We provide continuous support, helping you adjust your coverage as your business grows and changes.
- Education and Resources: We offer educational resources to help you and your employees make the most of your health insurance benefits, from understanding HSAs to maximizing preventive care.
- Technology Integration: Our user-friendly online portal makes it easy to manage your health insurance Nebraska plan, from enrollment to claims processing.
- Local Partnerships: We’ve built strong relationships with Nebraska healthcare providers, ensuring your employees have access to high-quality care across the state.
Nebraska Health Insurance FAQs
A: Our innovative approach combines base health insurance plans with HealthShare programs and Health Savings Accounts. This unique blend allows us to offer more comprehensive coverage at lower costs than traditional insurance. We typically include contributions to your employees’ HSAs, providing additional financial benefits that most traditional plans don’t offer.
A: We understand that small businesses come in all sizes. There’s no strict minimum employee requirement for our health insurance plans. Whether you’re a sole proprietor or have a team of 50, we can work with you to find a suitable solution. We’ll tailor a plan that fits your specific needs and budget.
A: Absolutely! We pride ourselves on offering flexible, customizable health insurance options. You can choose from various coverage levels, deductibles, and additional benefits like dental and vision care. We’ll work closely with you to design a plan that meets your company’s unique needs while staying within your budget.
A: Health Savings Accounts are a key component of our innovative approach. When you choose our health insurance plan, we typically include monthly contributions to your employees’ HSAs. These accounts allow employees to save pre-tax dollars for qualified medical expenses. The funds in an HSA roll over year to year and can even be invested, providing a long-term health savings strategy for your employees.