Redding Group Health Insurance & Employee Benefit Plans

Your Affordable Solution For Quality Employee Health Benefits In Redding, CA

Taylor Benefits Insurance Agency is a leading independent health insurance and benefits agent that specializes in group plans and employer-sponsored health care options in Redding and throughout Shasta County. We consult with our clients to understand the needs of their business and then work with them to create a customized employee benefit plan that matches their company culture and professional goals. Here are some of the affordable group benefits we have available for businesses and employee groups in Redding:

  • Employer-sponsored health plans
  • Group benefits & insurance
  • Employee medical and dental insurance
  • Wellness plans and health savings accounts (HSA)
  • COBRA administration
  • Business and small group health plans
  • Traditional employee health plans, HMO & PPO
  • Employee eye care and vision plans
  • Retirement savings plans and 401(k)
  • Section 125 cafeteria plans
  • Employee managed care & indemnity plans
  • Group life insurance
  • Insurance for workers’ compensation & disability
  • Long term care

 

For a FREE employee health plan estimate, complete the short form to the right! All price quotes are given by a certified independent insurance agent and tailored to the specific needs of your business and its employees! Call us at the number at the top of the page to learn more!

 

Redding, California
Redding, California

 

Employer-sponsored Health Insurance: HMO v. PPO

  • Group Health – Traditional health care plans have started to become used less frequently as a group health option for businesses, which have tended more toward HMO, PPO and POS health plans in recent years. The comparatively high costs of traditional plans has made Health Maintenance Organizations and Preferred Provider Organizations the cheaper option, not to mention the one that comes with less out-of-pocket costs. Below, we’ll take a look at HMO & PPO options to see how they differ and what types of access to health care they can potentially offer employees.
  • HMO – An HMO, or Health Maintenance Organization, has a copay system for services, which means that the patient only pays a portion of the expenses out-of-pocket. Most HMO plans will require a referral from your primary doctor before you can see a specialist, which is a key difference between an HMO and a PPO (see below). Typically an HMO requires that you stay within a network of doctors for any treatment or medical visits. Because of the broad coverage and affordability, HMOs are a popular coverage choice.

 

For a more in-depth explanation of HMO plans and how they work, the California Office of the Patient Advocate website has a nice breakdown on the specifics.

 

  • PPO – Unlike an HMO, which often has no copay for many services, a PPO usually does have a copay for most services and they can sometimes cover less of out-of-pocket expenses. The advantage of a PPO plan is that your are not limited to a network for your health services, though the copay is generally higher for seeing a doctor outside the network. A Preferred Provider Organization offers more choice in services, which is largely responsible for their popularity.

 

Want to learn more about the choices you have when providing group benefits and employee health plans? Call us at the number at the top of the page for a FREE consultation or complete the short proposal request form to receive an instant price quote! No payment or obligation is required; contact us today!

 

Redding, CA Group Health Resources

Healthy Shasta – A Redding-based group that promotes healthy living and lifestyle choices across a number of health initiatives that include walking and biking, healthy communities and a localized movement toward better health.

 

Shasta County Business Resources – A wealth of online resources for businesses in Redding and Shasta County, including a local workforce profile, compliance and local financial incentives.

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