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KATHY
HOPE |
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Insurance
Broker |
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CALIFORNIA
LIC
# 0793269 |
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800-792-9114
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SMALL
BUSINESS
HEALTH
INSURANCE
CALIFORNIA |
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Types
Of Small
Business Group
Insurance
Plans
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Group
Health
Insurance
Small
Business
comes in many
packaged
choices from
each of the
major
providers. Each
"choice"
includes one
or more of the
types of plans
listed here
and detailed
below.
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Insurance
Advisor's role
is to first
help you
identify your
company's
needs and
requirements.
We then match
the result to
the best
"packaged"
group health
insurance
options
available for
you and your
employees.
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Small
business
health
insurance
California,
although using
the same types
of plans
available to
individuals,
provides the
additional
benefits of
guaranteed
issue of
coverage ( no
matter what
pre-existing
conditions
exist),
tax advantages
to the
employer and
overall lower
costs to both
employer and
employee. |
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F
o
r
Y o u
r
R e v
i e
w
...
| SMALL
BUSINESS HEALTH
INSURANCE PLANS
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PPO
- Preferred
Provider
Organization |
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This
is
a
network
of
doctors
and
hospitals
that
has
agreed
to
accept
a
discounted
fee
for
their
services
from
the
plan.
It
just
may
be
the
plan
for
you
if
you
like
the
freedom
of
choosing
your
own
doctor
and
hospital
and
are
willing
to
pay
some
of
the
costs.
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Some
basics
include:
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You
may
go
to
any
doctor
in
the
network
at
any
time
without
a
referral,
including
all
specialists. |
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A
co-pay
at
doctor's
office
of
$15
-
$45. |
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You
may
go
out-of-network
"at
will"
to
any
top
specialist
for
your
serious
problems. |
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No
claim
forms
or
paperwork. |
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Prescription
coverage
is
included. |
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HMO
- Health
Maintenance
Organization
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| The
most
controlled
type
of
plan
as
you
must
use
the
HMO's
doctors
and
facilities.
Medical
care
outside
the
system
is
not
covered. |
Some
basics
include:
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Lower
out-of-pocket
costs. |
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Lower
deductibles
and
plan
limits. |
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Low
cost
doctor
visit
co-pays
of
$15
-$45 |
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No
paperwork
or
claim
forms. |
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POS
- Point
of Service |
| This
plan
combines
some
of
the
features
offered
by
HMO
and
PPO
plans.
A
network
of
providers
is
included
in
the
plan.
If
you
outside
the
network
only
partial
coverage
is
provided
and
a
deductible
may
apply. |
Some
basics
include:
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A
Primary
Care
Physician
is
Selected |
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Preventive
Care
Visits
are
Covered |
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Non-Network
Services
Cost
More. |
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HSA
-
Health
Savings
Account |
Health savings accounts or HSA's
were
developed
by
the
government
to
help
provide
low
cost
health
insurance
for
both
groups
and
self-employed
persons.
HSA's
are
one
of
the
more
popular
California
self-employed
health
insurance
plans.
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to
the
IRA...an
HSA
is
a
tax
-
exempt
trust
or
custodial
account
established
exclusively
for
the
purpose
of
paying
qualified
medical
expenses
of
the
account
beneficiary
who,
for
the
months
for
which
contributions
are
made
to
an
HSA,
is
covered
under
a
high
deductible
health
plan
(HDHP). |
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In
simpler
language,
a
health
savings
account
(HSA)
is
like
a
bank
account
that
works
with
your
health
plan.
As
money
is
added
to
your
account,
you
can
use
it
to
pay
for
most
health
care
expenses,
as
they
are
included
within
the
HSA
as
health
savings
account
eligible
expenses.
Examples
of
what
might
be
considered
health
savings
account
eligible
expenses
are
the
money
you
may
need
to
pay
before
your
individual
health
plan
begins
to
make
payments
-
called
deductible
-
or
medical
expenses
not
covered
by
your
health
plan
such
as
dental,
counseling,
etc.
If
you
don't
spend
all
of
the
money
in
your
health
savings
account,
the
remaining
balance
rolls
over
to
the
following
year
earning
tax-free
interest.
You
don't
lose
any
money
that
you
don't
spend.
HSA
accounts
belong
to
each
employed
or
self
-
employed
individual,
not
the
employer
...
although
employers
may
contribute
to
an
HSA.
*Note: An
individual
who
contributes
$1,000
each
year
starting
in
2007
and
makes
catch-up
contributions
can
accumulate:
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$23,000
after
10
years |
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$47,000
after
20
years |
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$81,000
after
30
years |
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$127,000
after
40
years. |
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HRA
-
Health
Reimbursement
Arrangement |
| A
Health
Reimbursement
Arrangement
or
HRA
is
an
employer
funded
account,
not
pursuant
to
a
salary
reduction
election,
that
provides
tax-free
reimbursement
to
employees
for
qualified
medical
expenses. |
| The
HRA
Is
Right
For
Employers:
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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 like
group insurance, health savings accounts and health reimbursement
arrangements 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. |
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| If
you have a California
business, send us a
list of all your
employees. We
will contact you with
our group
insurance recommendations. |
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Click Here For Census/Quote
Form
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Carriers
We Often Recommend
For California Residents |
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Blue
Cross - Blue Shield -
Healthnet
Pacificare - Aetna - United
Health - Kaiser
Universal Health |
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