If you have a small business, chances are you are looking for a benefit package for yourself and employees, if any.
The problem of course is the ever increasing cost.
Fortunately there is now an innovative alternative that can provided much needed access to quality health care and other benefits, at a fraction of the cost of traditional insurance.
But first, a little history lesson...
Most people don't realize it, but the idea of employer paid health benefits is a relatively new one.
It became a common practice for companies to pick up the tab for their employees' insurance after World War II, when the economy was booming and companies offered attractive benefit packages to draw the best people to their workforces.
At the time, an entrepreneur - even a small one-could insure every employee and their families for just pennies month.
But times have changed.
Now, even the biggest companies require workers to kick in for their coverage every month, and the cost for employers and for employees keeps rising uncontrollably every year.
For most small business, providing traditional health benefits just doesn't seem like an option anymore - and that leaves their employees with the burden of finding and paying for their coverage, or simply living without it.
This situation has led some small business owners to look for creative solutions.
Enter the International Association of Benefits (IAB).
Founded 1982, IAB offers low cost benefit packages that combine insured and non-insured medical benefits with lifestyle and legal benefits.
The result is a well-rounded employee benefits program without the high price tag of traditional medical coverage.
Costs are kept low by blending traditional insurance for some services with significant discounts on others.
This type of package can provide limited medical insurance with insured benefits for outpatient medical care, emergency room visits and hospitalization, as well as dental coverage and even life insurance.
In addition, IAB offers pre-negotiated discounts on things like chiropractic care, vision care and prescriptions.
IABs' "TeleMed" program allows members to speak with a Physician over the phone, 24/7/365, regarding any health care issues.
They can even have prescriptions filled right over the phone and called into the nearest pharmacy.
Plus, these programs include discounts on products and services that employees use everyday - hotel reservations, care rental, amusement park tickets, legal services, credit counseling and more.
The entrepreneurial spirit is an alive and well, and it's fueled by an energetic, capable work force.
Keeping those workers healthy and providing those with worthwhile benefits should be a priority for every small business.
For many, low cost packages such as the ones offered by IAB are the perfect tool to provide those essential benefits while at the same time managing costs and watching out for the bottom line.
IAB benefits are also ideal for the home based business person who either can't afford traditional medical insurance, has pre-existing conditions, or chooses to not pay the high premiums.
In some cases, it can be used to supplement existing coverages such as with hi-deductible insurance plan that generally is a lot less expensive than traditional major medical.
In either case, IAB's association benefit programs offer tremendous value to home based and small business owners as well anyone in need of affordable benefits.
The problem of course is the ever increasing cost.
Fortunately there is now an innovative alternative that can provided much needed access to quality health care and other benefits, at a fraction of the cost of traditional insurance.
But first, a little history lesson...
Most people don't realize it, but the idea of employer paid health benefits is a relatively new one.
It became a common practice for companies to pick up the tab for their employees' insurance after World War II, when the economy was booming and companies offered attractive benefit packages to draw the best people to their workforces.
At the time, an entrepreneur - even a small one-could insure every employee and their families for just pennies month.
But times have changed.
Now, even the biggest companies require workers to kick in for their coverage every month, and the cost for employers and for employees keeps rising uncontrollably every year.
For most small business, providing traditional health benefits just doesn't seem like an option anymore - and that leaves their employees with the burden of finding and paying for their coverage, or simply living without it.
This situation has led some small business owners to look for creative solutions.
Enter the International Association of Benefits (IAB).
Founded 1982, IAB offers low cost benefit packages that combine insured and non-insured medical benefits with lifestyle and legal benefits.
The result is a well-rounded employee benefits program without the high price tag of traditional medical coverage.
Costs are kept low by blending traditional insurance for some services with significant discounts on others.
This type of package can provide limited medical insurance with insured benefits for outpatient medical care, emergency room visits and hospitalization, as well as dental coverage and even life insurance.
In addition, IAB offers pre-negotiated discounts on things like chiropractic care, vision care and prescriptions.
IABs' "TeleMed" program allows members to speak with a Physician over the phone, 24/7/365, regarding any health care issues.
They can even have prescriptions filled right over the phone and called into the nearest pharmacy.
Plus, these programs include discounts on products and services that employees use everyday - hotel reservations, care rental, amusement park tickets, legal services, credit counseling and more.
The entrepreneurial spirit is an alive and well, and it's fueled by an energetic, capable work force.
Keeping those workers healthy and providing those with worthwhile benefits should be a priority for every small business.
For many, low cost packages such as the ones offered by IAB are the perfect tool to provide those essential benefits while at the same time managing costs and watching out for the bottom line.
IAB benefits are also ideal for the home based business person who either can't afford traditional medical insurance, has pre-existing conditions, or chooses to not pay the high premiums.
In some cases, it can be used to supplement existing coverages such as with hi-deductible insurance plan that generally is a lot less expensive than traditional major medical.
In either case, IAB's association benefit programs offer tremendous value to home based and small business owners as well anyone in need of affordable benefits.
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