Insurance
Advisors
works with
two types of health insurance
coverage for small
businesses:
Both
insurances
offer small businesses a richer choice of coverage
plans and payment
plans than available from
most Individual
Health Insurance
Policies.
Additional advantages
to a small
business group
insurance plan
include:
|
Guaranteed
Issue
Of
Coverage
...
No
Matter
What
Pre-Conditions
Exist. |
|
Tax
Advantages
Exist
For
Employers |
|
Small
Business Group
Insurance Plans
are
available for groups
as small as "2"
on up to 99 members. Your
company will probably
be eligible for
California group
health insurance if it
meets the following
criteria:
Your
company
consists
of a
minimum
of two
members
...
full-time
owners,
officers,
partners
and/or
W2
payroll
employees.
Contact us
to discuss
eligibility
if you only
have two members
in
your group
and one is
an
independent
contractor
and/or a
marriage
partner
or
"significant
other"
partner.
-
Your
company
is a
legitimate
business
entity:
| A
Business
License
or
Fictitious
Name |
| Articles
of
Incorporation |
| Articles
of
Organization,
LLC |
|
California Group
Health Insurance choices
are many and
are offered in
"tailored"
packages from most of
the major insurance
companies.
Small
business group insurance
plans are flexible
and offer choices
that address individual
financial requirements
as well as the medical coverage needs
of both employee & employer.
Some of the available
options include:
| Employee
Elect |
| Employers
can implement a
small business
group
insurance plan
that includes
multiple
individual
plans.
Employees can
then
"elect"
an individual
plan of their
own
choosing.
Even though
they are part
of a group,
they get to
choose what is
best for them
individually. |
|
|
| Employer
Contributions |
This
allows
employers
to
control
costs.
Their
own
contributions
to
the
group
insurance
plan
may
be:
- Under
a
pre-set
limit.
- A
Selected
Fixed
Cost.
- A
Percentage
of
Total
Monthly
Premium
|
|
|
|
| Use
of
Pre-Tax
Dollars |
| Both
employers
and
employees
can
make
their
contributions
with
pre-tax
dollars
deducted
from
the
company's
payroll. |
|
.......................................................................
|
|
Types
Of Small
Business Group
Insurance
Plans
|
|
|
| PPO |
Preferred
Provider
Organization |
| HMO |
Health
Maintenance
Organization |
| POS |
Point
of Service |
| HSA |
Health
Savings
Account |
| HRA |
Health
Reimbursement
Arrangement |
| CLICK
HERE FOR MORE
INFORMATION ON
EACH |
Insurance Advisors
is happy to meet with
you and match your
California business with the best
California group
insurance plan for you
and your employees or
the best California
self-employed health
insurance plan for you
alone.
Companies with
employees are now able
to offer benefits that are competitive with the larger companies. You can keep great employees and attract new talent to your small business with
a group plan tailored
for you. |
