Often, an insurance company will require that a certain percentage of your employees agree to participate in the plan. A common participation requirement is 50 percent to 75 percent of your full-time employees. If you're paying the full cost for all your employees, this particular requirement won't be a problem, but if your employees must pay a portion of the cost, your ability to meet the minimum percentage may depend on how much of the cost you're willing to pay. If you have part-time employees working for you, you may want to offer them health coverage, as well. Make sure you find out if a plan provider allows part-timers to participate and, if so, at what cost.
Some plans deny coverage for treatments considered experimental.
These may include bone marrow transplants, nutrient drinks for digestive disorders and treatment for sleep apnea and speech therapy. Again, you'll want to know the exclusions ahead of time to prevent surprises. First dollar benefits are the services for which the insurance company pays all costs without requiring a deductible. These benefits may include preventative health care benefits for children. Beyond this level, the insurance will usually pay 100 percent of the charges.