- Providing world class service and value for employee benefit group plans since 1987
For more than 25 years Taylor Benefits has been helping companies to offer affordable, effective group health and wellness benefits. We specialize in crafting customized employee benefit plans that allow small and mid-sized businesses to thrive in their respective industries by attracting and retaining the best employees available. Here are some of the services and group benefits we have available in Clovis and Fresno County:
Under the new health care reform law, group health plans must now conform to standards of coverage. Here are three of the biggest changes that affect who qualifies, coverage limits and essential benefits.
Pre-existing Conditions – One of the most important provisions of health care reform is that an individual cannot be excluded from a plan on the basis of a pre-existing medical condition. Plan members may also not be charged more because of a pre-existing condition, nor can they be refused treatment due to health status. While this aspect of the law opens up coverage more equally and to more people, it also puts more emphasis on the importance of prevention and wellness as part of a quality health plan.
Lifetime Dollar Limits – Somewhat tied to the limits removed for those with pre-existing conditions, the lifetime dollar limits previously imposed by some insurance companies are also a thing of the past. This is another benefit for those who require long term care or are dealing with chronic health issues. It’s also another instance of how an effective and affordable health plan can be viewed as a tremendous benefit to a prospective employee.
Essential Health Benefits – Along with the removal of many limitations on health coverage, the Affordable Care Act also requires that certain essential health benefits be a part of any health insurance plan. The components that make up the essential benefits cover a range of treatments: hospitalization and emergency services, newborn care & maternity, mental health and substance treatment, disease management, wellness and prevention, pediatric care and prescription drug coverage, just to name a few. For a full list and explanation of the essential health benefits, visit this resource from healthcare.gov.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
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