|
Paying For Individual Health Plans For Employees
Many employers in California do not realize that paying for employee's individual health insurance policies presents many problems. There can be liability for the employer in doing so. Let's look at the implications and understand why providing Small Group health insurance to your California employees is important.
First, we need to understand the differences between Small Group health or employer sponsored health insurance and individual/family or private insurance. Small Group is quite...
Comparing Small Group and Individual Life
You just get a new job and you're starting to go through the various options offered to you as benefits. You go through the packet step by step...parking, medical insurance, dental insurance, vision insurance (nice benefit package!), and...life insurance. You may already have some term life insurance so what should you do? Let's look at comparing life insurance offered by an employer and individual term life.
There's a lot to consider here. First, some key difference between Group sponsored...
Common Pitfalls Employers Face When Choosing Group Health Insurance in California
Offering Small Group health insurance plans in California to your employees can include some pitfalls as you can imagine when dealing with something so valuable and multi faceted. As we point out some of the hurdles Employers often face we are happy to show you creative ways to solve the issues.
Choosing The Right California Health Insurance Carrier
Choosing the wrong company to do business with can be a disaster. Make sure your carrier has a strong AM Best rating, has posted their insurance...
Covering Your Out of State Employees With California Group Health Insurance
The good news is that youve decided to offer the employees you depend on California group health insurance benefits. But, you happen to have a manufacturing operation in a different state. How do you cover those employees you count on remotely ensuring they are taken care of in a medical
Will we qualify for coverage with so many of our workers out of state?
It depends. The key issue here is participation requirements imposed by State of CA bill AB 1672 governing Small Business Health...
Discount Plans in the California Health Insurance Market
Over the last 10 years, as California health insurance costs have increased significantly, there has been an explosion in both the availability and marketing of so-called discount health plans as we term them in the industry. It's important to understand how they work and more importantly, how they do NOT work.
First a quick refresher on the whole point of health insurance protection to begin with. Health insurance is coming full circle back to its original design and intent. Originally,...
Guidelines For Completing California Small Group Forms
Now that youve made your decision on the health plan, the California Health Small Group insurance carrier, the Employer Contribution amount, and your New Hire Employee Waiting Period, its time to sit down and complete your forms for submission. The forms themselves are both applications and contracts. Its easy to gloss over the various fields as it can be a little time consuming and overwhelming if you let it get to you. Its important to make sure you pay attention to the questions and get...
A Quick Introduction To California Health Insurance And Pre existing Conditions Waiting Periods And Exclusions
It's important to look at a carrier's policies and restrictions regarding pre-existing conditions, waiting periods and exclusions as they can differ from company to company. This is just an overview in layman's terms.
First...what is a pre-existing condition. The official definition reads as follows:
Pre-existing Condition
Any illness or health condition for which you have received medical advice or treatment during the six months prior to obtaining health insurance. Group healthcare...
Company Size Enrollment And Pricing in the California Group Health Insurance Market
Questions often arise in the California health insurance acquisition process concerning size of the company and available benefits for small businesses and the effect the size of a company may have on the premiums and the products available.
Companies 2-5 employees
The minimum size required in California to qualify small for Small Business coverage is to show 2 eligible employees minimum. Both eligible employees do not usually have to enroll in the plan if one is able to waive the plan offer...
What Role Does Your California Health Insurance Agent Or Broker Play
First, what is the difference between a broker and an agent?
These terms are often interchanged in conversation. Officially, an Agent is an individual or company that acts on behalf of the carriers to market, sell, and service insurance. The Agent has a contract with the carrier in order to transact this business. A broker is person who also contracts with carriers but officially acts on behalf of the client. In practical terms, they are not that different when dealing with California health...
Primary Care Physicians and Your California HMO Health Plan
First, the official definition of the Primary Care Physician:
Your Primary Care Physician (PCP) is the doctor you choose to provide basic health care. In an HMO, your PCP must refer you to a specialist if you need to see one.
Primary Care Physician is a term that applies with HMO Plans. PPO style plans do not use PCP's. It is important for HMO members to understand how care is handled through their Primary Care Physician to get the most out of their plans.
When do you chose a PCP?
One...
| 
