If you’ve ever priced out employee health insurance or are about to begin the process, you know, or will know soon, that the least expensive employee health insurance plans tend to be those with the highest deductible. And some of those high deductible health insurance plans do not allow for copays. Everything falls under the deductible. Generally, this means visits to a general practice doctor and to urgent care can be 30% or more than what they might be with a copay.

Granted, copays don’t contribute towards the deductible, so there is a benefit to not having copays. But the majority of people are not using their health insurance for major procedures. It’s typically smaller visits that get the most frequent use and offering a copay is a great way to provide your employees with peace of mind for that purpose.

At Lehrman Group we’ve provided employer-sponsored health insurance plans to small and large employers across Arizona since 1988. We represent all major insurance carriers that offer employer-based health insurance plans in the state of Arizona.

If you’re interested in how you can save around $1,000 per year per employee combining high deductible employee health insurance, yet still provide small copays for your employees when they see doctors and other providers, give us a call or fill out the form below, and see this short video. This system gives both you and your employees the smartest option available — you save money on the premiums you pay, and your employees are able to visit doctors without having to contend with their high deductible.

Employee health insurance companies offering plans here in Arizona include Aetna, Blue Cross Blue Shield of Arizona, Cigna of Arizona, Humana, Starmark, Trustmark, United Healthcare and more. If you’re looking to offer your employees – and yourself – a more comprehensive benefits package, we also offer life insurance, short term disability, vision and dental insurance, and pension and profit sharing plans for your employees.

Founded in Arizona in 1988, Lehrman Group serves the employer group health insurance needs of large and small business clients in Phoenix, Tucson, Flagstaff, Yuma and every other Arizona community. We have thousands of clients all across the state and are ranked among the top 10 health insurance brokers marketing Arizona group health insurance plans. Lehrman Group has an A+ rating with the Better Business Bureau.

To get a rate quote for your employees, call us at (800) 600-9663, ext 19, or complete the form here or below to request group health insurance rates. We’ll provide you with quotes from all available insurance companies offering employer-sponsored group health insurance plans here in Arizona.