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Are you a business owner looking to get health benefits for your employees? Well you've come to the right place. Here at Doran Independent Insurance we take the time to work closely with business owners to help them search out the different options they have. From a small business to a large business, sole proprietorship to a corporation we have a plan that will benefit everyone on your team.

Things to know:

Affordable Care Act: What employers need to know!

The health care law contains tax provisions that affect employers. The size and structure of a workforce, small or large helps determine which parts of the law apply to which employers. The number of employees an employer has during the current year determines whether it is an applicable larger employer (defined below) for the following year. 

  • Applicable large employers are generally those with 50 or more full-time employees or full- time equivalent employees
  • Employers with fewer than 50 full-time equivalent employees are not large employers
  • calculating the number of employees is especially important for employees that have close to 50 employees or whose work force fluctuates during the year

Small Business Tax Credit

If you are a small business employer, you may qualify for a small business tax credit. 

To qualify:

  • Must have fewer than 25 employees
  • Average annual salary is no more than $50,000.00
  • Employer pays at least 50% of the employee individual cost

Benefits to you:

  • Credit can be up to as much as 50% of the costs you pay for your employees' premiums (35% for non-profit employers)
  • Credit available for 2 consecutive tax years
  • Only available with Anthem Pathway plans

Please consult your tax adviser for any additional criteria that may apply to receive the small business tax credit. 

Preventive Care

Getting regular checkups and exams can help you stay well and identify problems early. It may even save your life. 

When you get these services from doctors in your plan's network, you have have to pay anything out of your own pocket. You may have to pay part of the costs if you use a doctor outside the network.

Preventive vs. Diagnostic care- What's the difference?

Preventative care helps protect you from getting sick and for early detection of common illness.

Diagnostic care is used to find the cause of existing illnesses.

Whats covered:

Child preventive care

  • Preventive physical exams

Screening tests:

  • Development & behavior screening
  • Newborn screening
  • Oral (dental health)
  • Vision screening


  • Human Papillomavirus (HPV)
  • Influenza  (the flu)
  • Meningococcal (meningitis)
  • Varicella (chickenpox)

Adult preventive care

  • Preventive physical exams

Screening tests:

  • Aortic aneurysm screening
  • Blood pressure
  • Hepatitis C virus
  • Cancer screenings


  • Hepatitis A & B
  • Influenza (the flu)
  • Meningococcal (meningitis)
  • Zoster (shingles) for those 60 years & older

Women's preventative care

  • Contraceptive (birth control) counseling
  • HPV screening
  • Pregnancy screening
  • Breast cancer screening including exam, mammogram and genetic testing

Ancillary Benefits

Ancillary benefits are insurance and benefits plans that help round out the health insurance component of an employee benefits program. These benefits can be employer funded or offered on voluntary basis (employee pays for coverage).

Voluntary benefits continue to gain momentum in the workplace by allowing employers the opportunity to maintain a robust benefits program while providing employees with access, choice & affordability. 

Ancillary benefits include but are not limited to:

  • Group life insurance
  • Accidental death & dismemberment insurance (AD&D)
  • Dental insurance
  • Vision
  • Long term or short term disability
  • Voluntary benefits

Group life insurance can include:

  • Term life
  • Whole life
  • Universal life
  • variable universal life

Accidental death & dismemberment insurance- in the event of an accident death, this insurance will pay benefits in addition to any life insurance held by the employee. In addition, fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sigh because of an accident. 

Dental benefits- may provide coverage for services such as oral exams, x-rays, fillings, root canals, gum disease, orthodontics, crowns, dentures and implants. 

Vision benefits- offer coverage for eye exams and glasses/contacts and may include discounts for services such as Lasik eye surgery. Vision plan premiums are generally very reasonably priced. In addition, vision exams help asses your overall health and correct vision problems.

Disability insurance- provides income in the event a worker is unable to perform their work and earn money due to a disability. Can include:

  • Short- term
  • Long- term
  • Multi-life
  • Individual & business overhead
  • Buy/sell 

Some ancillary insurance companies we work with:

  • Anthem BC/BS
  • Companion Life
  • Delta Dental
  • Principal Life
  • Protective Life
  • Sun Life
  • VSP

Our Carriers

Anthem BC/BS

Anthem has several provider network options depending on the plan of coverage you may choose. 

Anthem's Pathway HMO Network, New England HMO, Access Blue HMO and Preferred Blue PPO. 

The Pathway network plans are the only ones that could facilitate your ability to receive the small business tax credit. the network is primarily NH providers. 

New England HMO and Access Blue HMO utilizes all 6 New England states for provider coverage. Access Blue does not require specialist referrals. 

Preferred Blue PPO plans have the largest, nationwide provider networks of all the Anthem plans. For businesses that may employ people who live outside of New England, this is a great option. 

Anthem allows an employer to offer more than one plan design to accommodate the various needs of today's employees. 

Harvard Pilgrim Health Care

Harvard Pilgrim offers a robust HMO provider network that includes Maine, New Hampshire and Massachusetts. The use of low-cost providers also ensures the best value for members. 

Elevate Health plans offer a focused provider network with medical professionals in New Hampshire counties. 

Harvard Pilgrim also offers nationwide PPO plans to facilitate those in need of coverage outside of the traditional HMO networks. 

Tufts Health Freedom Plan

Tufts utilizes EPO (Exclusive Provider Organization) networks. These are like HMO plans in that primary care physicians selected, and referrals are required for specialist care. The EPO network includes New Hampshire, Massachusetts and Rhode Island with some boarding providers in Maine and Vermont. 

Tufts also offers a PPO plan selection that partners with PHCS (Private Health Care Systems) to cover members nationwide.

Your Group Contacts