California health
insurance
-
Group Health Benefits
California Group Health
Benefit Center
Welcome to your center for understanding and
shopping California group health benefits.
Second only to salary or pay, health benefits
are a critical way to attract and keep the best
employees. Shopping for Group health benefits
has never been an easy endeavor and that
learning curve has only steepened since the ACA
(Affordable Care Act) was passed.
There has never been a more important time to
re-evaluate the group benefits market than
NOW.
Whether you are looking at offering new benefits
to employees or reviewing whether your current
benefits provide the best coverage to your
employees at the best value to the employer, now
is a good time to request our free analysis of
your current options. Everything has changed.
Quick Points for the Group Health Benefits
Market
Most small group health plans must to conform to
the new ACA rules and regulations at renewal
during 2014. We have seen rates change by up to
100% depending on the group.
A less known benefit of group health insurance
is that they have access to the full networks
which is sizably larger than the new Covered Ca
or individual family networks of doctors and
hospitals. This is a huge deal!
- Legitimate group health benefits are 100%
deductible to the employer. This includes
dental, vision, and group life coverage. We can
quote all four for your company.
- California State law under AB1672 only requires
the employer to pay 50% of the employee's
premium (not dependents). 75% of eligible
employees must enroll. We can help you determine
if you meet this threshold since there are
exceptions. We just need one person with one
non-spouse on payroll to qualify in most
situations.
- The ACA mandates group health coverage for
larger employers or they may have to pay a
penalty per employee.
Employers are prohibited from contributing
towards an employee's Individual health plan.
There can be significant penalties and the IRS
is taking a tough stance on this issue.
Tips for Shopping the California group benefit
market
It's become more difficult (not less) to compare
the plans and rates available.
We recommend this approach:
- Estimate a monthly budget range you want to stay
within.
- Email us the dates of birth (including
dependents if considering coverage) and zip
codes for your employees and the monthly budget.
- Specify what benefits you want to offer (i.e.
medical, dental, vision, life, etc)
With this information, we can quickly benefits
and rates across all the major carriers to find
options that fit your budget.
Here's where you can actually appear to be a
much larger company (which you'll someday be,
right?)
The Smart Way to offer Group benefits
Once we've established your monthly budget, we
can create custom worksheets and benefit
summaries for each employee with multiple plan
options. The worksheets will show the employee's
cost after the employer's contribution (based on
monthly budget).
This means you can offer HMO's, PPO's, HSA's, etc
with all range of benefits AND YET still cap the
employer's exposure to the monthly budget
It's the Best of Both Worlds
- Employees can choose from any of the plans.
- Employer can meet it's budget regardless of plan
choice
- Employee's has stake in plan choice since he/she
pays the difference.
- Encourages moving down to the scale for most
employees but richer coverage for those that
need it.
- Employee has control of benefit choice.
- Employer has control of budget.
Everyone wins!
95% of our groups take this approach (been
around for over a decade) and if you haven't
done so, it's a great way to empower your
employees.
If you have employees that are upset with their
health plan, this is THE WAY to make them happy.
In the end, people just want a say in their
benefits.
They'll usually downgrade a bit on their own
accord to reduce their share of the monthly
premium but it's THEIR decision to do so.
Everyone wins.
Send us the Dates of birth, zip codes, and
monthly budget. We'll get started and there's no
cost for our services.
Enrolling California Group Health Benefits
Once we have decided on the right plan mix for
the group, we will help you through the entire
process of enrolling the group.
This includes:
- Plan benefit and rate distribution for all
employees
- One on one consults with any employee
regarding plan options and rates. This is huge
and employer should not be an intermediary since
private health information is discussed. There's
no risk to the employer since we capped budget
above.
- Complete support during form completion and
enrollment process with the carrier
- Plan and card distribution support
- Ongoing benefit and plan support throughout
the year and during each renewal (every 12
months from 1st date of plan initiation)
We are full service and there is NO cost for our
services. With our experience at the carriers,
we can make the enrollment process so much
easier.
Call us and tell us how we can help.
Group benefit article archive
Of course, we are
happy to walk through any questions at
help@calhealth.net
or at 866-486-6551
You can run your
California
Group Health Plan Quote here
to view rates and plans side by side from the major carriers...Free.
Again, there is absolutely no
cost to you for our services. Call 800-320-6269 Today!