With health insurance in California becoming such a difficult and costly issue for employers, employees and the self-employed alike, it is important to have the latest and most complete information available.

4-10 Insurance Agency's experience and expertise can tailor a health plan that achieves the best value for your company. Their folks can help you find the health insurance plan that best suits your unique business needs.

We will be able to evaluate your current coverage, and make specific recommendations that suit your needs for affordable group health insurance protection, and your budget. Ask us to give you an outline of coverage, it summarizes the policy's benefits and highlights important features.

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HEALTH BENEFIT PLAN ALTERNATIVES
Saving Your Business Money

SELECTING A GROUP HEALTH INSURANCE PLAN

Choosing an Affordable California Group Health Insurance plan is not as easy as it once was. There is no one "best" health insurance plan, but there are some plans that will be better than others for your company's healthcare coverage preferences. Your preferences will determine not only which health plan is best for you, but also what type of health coverage (ie. PPO, HMO, or HSA - Health Savings Account) you will feel most comfortable with.

Take advantage the experience our folks at 4-10 Insurance Agency have to provide you with the information you need to make a more informed decision about your group health insurance plan that's right for your company. We will help you compare group health insurance quotes from multiple carriers to save time and money.

Choosing a group health insurance plan for your company is an important decision, and comparison quoting provided by 4-10 Insurance Agency, will make your group health insurance purchase an easier one.

Comparing the monthly premiums (as well as underlying health care cost) of multiple health insurance plans, before you buy is a wise move and will help you make the most informed decision for you and your company.

ISSUES YOU NEED TO KNOW WHEN SELECTING A GROUP HEALTH INSURANCE PLAN

The health insurance industry has changed rapidly during the managed care revolution. If and when an employer decides to offer group health coverage to his employees, deciding which type of plan to offer as well as which company to use is no simple task.

Which is the way to go - Indemnity plan, HMO, preferred provider organization (PPO), point of service (POS)?
Would my employees prefer going to their own doctors or would the physicians available in an HMO be sufficient?
Which plans to offer alternative medicine treatment?
How many people do I need in order to qualify as a group?
How much does the business have to contribute?

Usually, the deciding factor in selecting a plan for most business owners ends up being the bottom line or monthly expense. But just as important as premium, there are other more important considerations when selecting a quality health plan for employees. A good health plan can help retain good employees and aid in attracting prospective employees.

TYPES OF COVERAGE

We search the market to find competitive insurance plans for companies like yours. There are 3 main types of policies: PPO's, HMO's and POS Health Insurance Plans, plus the HDHP - High Deductible Health Plan also know as a HSA – Health Savings Account alternative. The following is a brief review of each type:

PPO Plans

The PPO (Preferred Provider Organization) is a plan where the insured has a large choice of providers within a network. They can choose any provider in the network and can change providers when ever they like. Deductibles can be $250, $500, $1000, $2500, or more.

In a calendar year after the deductible is paid, the insurance company will start paying a certain percentage of the covered medical expenses. This is called the co-insurance. For instance they'll pay 80% and the insured will pay 20% until they reach the stop-loss amount or maximum out-of pocket, after which the insurance provider will pay 100% of the covered medical expenses.

Plans vary according to the benefits they offer. Some plans offer special options; Doctor's office visit co-pays, Maternity Coverage, Chiropractic and Acupuncture.

HMO Plans

The HMO (Health Maintenance Organization) is a plan where the insured chooses one doctor who is their primary care physician. The insured must first get permission from their primary care doctor if they need to go to a specialist. That is why the primary care physician is sometimes called Gatekeepers.

The insured does not have freedom of choice, but most of the services will have little out-of-pocket costs.

Point of Service Plans (POS)

Previously, point of service plans were structured so that an insured needed a referral from their primary care physician to see a specialist out of network. Most POS plans now offer Open Access (no Gatekeeper) plans, which eliminate the need for referrals. The only significant difference between gated and non-gated plans is cost (non-gated plans are typically 4-5% more than gated plans).

HDHP - High Deductible Health Plan / HSA - Health Savings Account Plans

HDHP - High Deductible Health Plan / HSA - Health Savings Account plans are the latest choice of health insurance coverage available to employer group consumers. They offer the promise of lower monthly premium costs associated with high deductible health insurance plans, choice of physicians and hospitals, along with the use of a tax free account from which to pay the out-of-pocket health care expenses that come up through out the year.

For a more detailed and easy to understand explanation click here: <<HSA BASICS>>

Group Health Insurance Quote

If you would like us to provide you with a "FREE QUOTE" without any obligation follow this link to request a <<GROUP HEALTH INSURANCE QUOTE>>

CLASSIFICATION FOR KEY EMPLOYEES

Yes it is possible to provide a different coverage (levels and options) to Key Employees held within a separate classification. This separate classification is generally reserved for Upper Management, Executives and/or Corporate Officers.

Complete this request form and I will get back to you to answer your questions that are unique to your organization:

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HEALTH BENEFIT PLAN ALTERNATIVES
Saving Your Business Money