Taylor Benefits is an independent health insurance agent that serves businesses and employee groups in the University of California (UC Berkeley), Berkeley, and Alameda County. As an independent company, we provide comprehensive health insurance plans and benefits options, leveraging our more than 20 years of experience in the industry.
Our expertise enables us to help you, as an employer, craft affordable and flexible plans that perfectly match your employees and their family members. We are dedicated to ensuring that your team receives the best possible health coverage and benefits to meet their needs and maintain their well-being.
Here are the group benefits and health insurance plans we specialize in:
HMO plans offer healthcare coverage through a network of health providers that provide services to members. HMOs require group members to choose a primary care physician (PCP) that addresses the majority of their health needs. If a specialist is needed, the patient must first go through their primary physician to get a referral before insurance will cover any services.
HMOs typically offer more preventative care services and lower priced premiums than other types of plans. With an HMO, going outside of the network means paying the full cost of any visits or procedures, as does seeing a specialist without a referral.
A PPO health insurance plan is similar to an HMO in that it is also a network-based plan. With a PPO, however, you can see any physician in the network without getting a referral from a primary care physician first.
A PPO allows patients to visit out-of-network doctors with their coverage, although the level of coverage is usually greater for staying within the network. (It’s important to note that going out of the network doesn’t guarantee any coverage, so it’s important to check that they are contracted with the insurance provider.) Most PPO plans have a deductible that must be met before the full coverage benefits can be applied.
Want to learn more about the differences between an HMO and PPO? This article explains the specifics, as well as some of the finer points of having insurance through a managed care network.
Alameda County Public Health Department – A great resource for uninsured residents of Alameda County that offers a comprehensive collection of information and online resources regarding health insurance and health care options in the county.
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