Arcata Group Health Insurance & Employee Benefit Plans

Welcome to Taylor Benefits, a leading independent group benefits and health insurance agent serving Arcata and Humboldt County for more than 20 years! On this page, you’ll find a brief summary of our services that we offer in the area, as well as some details about current health laws that apply to group benefits and how to find the best fit for you company. Here’s what we have available in Arcata:

  • Employee health plans & group benefits
  • Retirement, pension & 401(k)
  • IRS section 125 cafeteria plans
  • Employee medical, dental & vision care
  • Group long term care
  • Life insurance plans
  • Disability insurance (for short and long term)
  • Tax-sheltered health spending accounts (HSA & FSA)
  • HMO, PPO & managed care health plans
  • Worker’s compensation insurance
  • Benefits continuation (COBRA)
  • Prescription drug benefit
  • Employee health & wellness programs

Click here to visit our resource center and find out more information about what we offer.

Get a FREE proposal from a certified local benefits agent by using the proposal request form to the right! Estimates are FREE of charge and require no obligation on your part! We’re happy to answer your questions and offer FREE phone consultations at the number at the top of the page. Call us today!

 

Essential Benefits, HSA’s & Customized Plan Design

Essential Health Benefits – Under the Affordable Care Act–also referred to as Obamacare–employee sponsored health plans must include certain coverages to be considered a qualifying option. (Including these essential benefits is a requirement if you hope to reap the financial incentives for offering an employer-sponsored health plan.) There are 10 categories of coverage that fall under essential health benefits:

  • Outpatient hospital services
  • Inpatient care (admission to a hospital)
  • Emergency services & ER visits
  • Prenatal & newborn care
  • Substance abuse & mental health services
  • Recuperative & rehabilitative care
  • Laboratory tests
  • Preventive care
  • Prescription drug coverage
  • Pediatric care, including dental

To learn more about the 10 essential benefits under the Affordable Care Act, click here for a more in-depth explanation from the AARP website.

Health Savings Account (HSA) – An HSA is an excellent option to offer savings to both groups and individuals within a plan structure. An HSA is essentially a tax-exempt account that can be used to pay for qualified medical expenses like deductibles, copays and out-of-pocket healthcare expenses. One of the advantages of an HSA is that any money left in the account at the end of the year will roll over to the next year so that it can still be used.

Strategy & Selection – One of the true advantages of working with an independent agent is that they are not tied to any specific plan or carrier. At Taylor Benefits, we work with every major health insurance carrier in California to offer you the most choice and flexibility in your benefits package. We take into account the details of your business–from plan design to your financial goals–to formulate a customized group benefits option that is designed to fit your employees, your company and your industry. We offer a FREE annual policy review during renewal and are happy to offer guidance and suggestions regarding legal and compliance issues.

Call us at the number at the top of the page to learn more about how we help businesses and employee groups in Arcata! Phone consultations are given at no charge and we are happy to offer FREE proposals through our online request form at the top right of this page!

 

We’re ready to help! Call today: 800-903-6066