Fresno Group Health Insurance & Employee Benefit Plans

Fresno CA Large Group Health Insurance Plans

Providing health insurance can be a high cost for large employers. However, companies that want to compete for high-quality employees know they need to offer insurance benefits. Also, the Affordable Care Act mandates that the insurance they offer satisfies the affordability and coverage standards. For example, an employee’s share of the insurance premium can’t exceed 9.61 percent of their gross income.

The ACA also requires that coverage offered is intended to pay at least 60 percent of the total cost of medical services for a “standard” workforce population and that the benefits include substantial coverage of inpatient hospital and doctors’ professional services.

Finally, the act specifies ten services that any insurance plan must provide:

  1. Ambulatory patient services (outpatient care)
  2. Emergency services
  3. Hospitalization, including surgical and medical
  4. Maternity and newborn care, including delivery
  5. Mental health and substance use disorder services
  6. Prescription drugs
  7. Rehabilitative services and devices
  8. Laboratory services
  9. Preventative and wellness services, including chronic disease management
  10. Pediatric services, including dental and vision care for children under the age of 19

Fresno CA Small Business Health Insurance Plans

Small companies that offer health insurance to their employees can look for support from SHOP (Small Business Health Options Program), which the ACA legislation created to assist them in providing the benefit. Taylor Benefits Insurance consultants can help you navigate the potential plans and explore eligibility for tax credits. Your specialist can also help you evaluate options like a QSEHRA (Qualified Small Employer Health Reimbursement Arrangement). The QSEHRA is an account that small employers can fund for their workers to help them pay for medical expenses.

Fresno CA Employee Benefit Plans and Employee Benefit Packages

Aside from health insurance, employees in Fresno typically want paid time off in their benefits package. Since they get paid sick leave and family leave as California-based employees, adding vacation or holiday pay to the package is an attractive option. Other highly desirable benefits include:

  • Retirement support
  • Dental and vision insurance
  • Flexible working schedules
  • Childcare support (and elder care assistance)

If your budget allows the expense, adding a retirement plan along with dental and vision care can make your program stand out, assisting with the effort to attract and retain workers in a tight labor market.

At Taylor Benefits, we strive to offer the best insurance coverage and employee benefits options currently available to California businesses. We provide health insurance and employee benefits that include medical, dental, visual, retirement plans, disability, life insurance, voluntary benefits, and worker’s compensation.

The current insurance system is confusing for individuals, groups, and small businesses alike, particularly the upcoming changes of Obamacare, also known as the Patient Protection and Affordable Care Act (PPACA). For businesses especially, this is a great time to get ahead of the curve, offer an affordable yet comprehensive benefits package, and leverage your position as a forward-thinking business that attracts and retains quality employees.

Fresno group health insurance plans

Group Insurance & Employee Health Benefit Options

Benefits of Group Health Insurance Plans and Employee Benefits

Having group health insurance comes with more health benefits than you know. It is more profitable than individual insurance. What’s great is the advantages are great for both employer and employees.

Saves Money

In today’s business world, it is important to function within a budget. There are many advantages of group health insurance but one of the biggest ones is it will help you, as an employer to save money.

Your employees will be able to afford insurance for themselves and their family members. The insurance premium in the case of Fresno large group health insurance is low enough.

Lower Cost

Another great advantage of corporate group insurance is more number of people in the group who are getting the insurance. If more people are included in the plan, there are more options at a lower price. This means it adds a lot of value.

Employers can enjoy

  • Better insurance plan
  • More coverage for pre-existing conditions
  • A lower price for the eligible plans

Group health insurance can be a valuable asset in Fresno city. So, it is easy to see that are many reasons to consider it from your employee standpoint.

Tax Benefits

The benefits of group health insurance are that isn’t just for the employee. It is also highly beneficial for employers. You, as an employer, can get a tax credit. It is provided to organizations that provide their employees with insurance and pay their premiums.

You can qualify to get a credit back on the taxes in Fresno city. So, you will be compensated for the money you are paying towards premiums. It is one of the biggest advantages you can develop.

Happy Employees and Positive Work Environment

Your employees are a valuable asset to your company. So, by providing health benefits you can show that you care about his or her expectations. When your employees feel valued, they tend to work harder. They will care more about their job as they get additional benefits. Your active employees feel appreciated. This leads to a happier workplace and helps your business lower turnover.

All these things are quite important when it comes to improving the productivity of your company with quality assurance.

Attract and Retain Quality Talent

In today’s business world, it is difficult to hire and retain skilled and talented employees. So, if you already have a small business, you should not lose them. To do so, you can provide health insurance and a Fresno employees retirement system.

Professionals, back in time, used to care about company culture and salary while deciding their tenure with an organization. However, things seem to have changed.

Employee benefit packages, voluntary benefits, quality assurance, retirement plans, one on one welfare trust plan, affordable life insurance, healthy environment, work-life balance, and disability insurance are now emerging as the primary factors. With additional benefits, you have an edge over other competitors.

Boosts Goodwill

The fierce competition makes it important for a business to have a good reputation in the industry to provide certain benefits like a group plan. Apart from a good growth rate and company culture, some corporate health benefits provided to employees ensure the goodwill of your company.

How can Your Employees Benefit from Group Health Insurance?

Group health insurance plans you provide to your employees take care of them and their family members. It becomes the most valuable asset to meet his or her expectations. Here are the group plan benefits your employees can enjoy when you provide group health insurance.

Easy on the Wallet

In comparison to individual health insurance, group health insurance comes with cheaper premiums. Hence, it is more budget-friendly since the premium is paid by the organization to the provider selected for the plan. Thus, your employee’s medicare service comes at a low cost.

Quick Claims without Hassle

The right group health insurance plan will make sure that the claims are handled on priority. An employee doesn’t have to encounter any hassle during the one on one claim process. No need to have an appointment or participate in long calls. Discuss all details over email or check the business’s online resources.

No Waiting Period on Pre-Existing Diseases

Generally, the treatment plan for pre-existing diseases, such as high blood pressure, diabetes, cardiac issues, etc. can’t be claimed under regular health insurance policies without waiting a specific period of time. But the ailments are covered from the very first under the Fresno Group Health Insurance Plan.

So, your employee, the most valuable asset, won’t have to bear the expenses to get the right treatment for pre-existing diseases when they are covered under a corporate health insurance plan.

No Additional Cost for Maternity Coverage by Health Insurance Specialists

Childbirth and maternity service are generally covered under any health insurance policy but as an add-on benefit. So, the insured individual holding the policy will have to pay an extra service premium to get this coverage benefit.

However, if your employee is covered under your business’s Group Health Insurance from Fresno, she will not have to pay the premium. This means a major part of the hospital bill is going to be borne by the insurance company of the employer. It shows even if you are a small business owner, you value your employee.

No Medical Check-Up

With Taylor Benefits as your health insurance specialists, you can make sure that your employees don’t have to undergo any check-ups to enroll under the voluntary benefits plan. In the case of regular health insurance, the policy isn’t issued without a medical check-up.

Only the retirees who are now Medicare eligible needs to go through the check up if their age is more than 60.

Schedule a call with Taylor Benefits at 800-903-6666 to discuss and develop a health service plan suitable for you.

Who Should Buy Group Health Insurance Plan in Fresno?

Any service company, big or small can get Group Health Insurance Plan and spend less for business lower turnover.

Small Businesses or Young Startups

In case you have established a new startup and have at least 10 team members, you should sign up for group health insurance with voluntary benefits. Not only will it protect your staff but will also provide you with tax benefits in your city.

No need to worry about the cost to insure your staff as the group health insurance plan will be customized as per your company’s requirements and salary of each employee.

Mid Sized Businesses and Growing Startups

So, your business is new but has been around for some time now. Get group health insurance to protect your eligible employees. Medicare for mid-sized businesses helps to keep a healthy atmosphere in the office and help you retain them for a longer time.

Large Organizations and Well-Established Startups

In case you have an established and large startup, employees expect many service benefits, such as health insurance, disability insurance, retirement benefit, etc. Therefore, if your company has 1000+ employees, give them the benefit of group health insurance plans and retirement service benefit.

When they are insured, it gives them a sense of security and peace of mind in life.

We pride ourselves on being able to deliver group and employee benefits plans that make financial sense for your business, while still offering terrific coverage for employees.Click here for a complete listing of all insurance carriers we work with and links to their official websites. We offer comprehensive group and employee insurance plans through all major California insurance providers including, but not limited to, the following carriers:

  • Health Net
  • Blue Cross of California
  • Blue Shield of California
  • Cigna
  • Prudential
  • Great West Life
  • Delta Dental
  • Aflac
  • Humana
  • Kaiser Permanente-California
  • United Healthcare
  • Wellpoint
  • Aetna
  • Dial 800 -903-6066 and get free consultation on Fresno Group Health Insurance & Employee Benefit Plans

    Relevant Statistics

    • Over 70% of businesses in Fresno provide group health insurance coverage to their employees.
    • The average monthly premium for group health insurance plans in Fresno is $375 per employee.
    • Approximately 90% of individuals covered under group health insurance in Fresno have access to dental benefits.
    • More than 80% of group health insurance policies in Fresno offer coverage for mental health services.
    • Fresno has seen a 15% increase in the number of businesses offering group health insurance in the past five years.

    General Facts

    • Fresno offers a variety of group health insurance plans for businesses and organizations.
    • Group health insurance provides coverage for a group of people, typically employees of a company or members of an organization.
    • These plans often include medical, dental, and vision coverage.
    • Fresno group health insurance plans are designed to provide affordable and comprehensive healthcare options.
    • Employers in Fresno can choose from different insurance carriers and customize their group health insurance plans to fit the needs of their employees.

    Healthcare Resources For Businesses

    Employer Health Benefits Advisor – An overview of federal laws that impact employer-offered health benefits from the U.S. Department of Labor, including HIPPA, COBRA and more.

    Definitions of health terms – A helpful resource for employers and employees alike, this guide from the Bureau of Labor Statistics explains many of the terms used in group insurance and employee benefit plans.

    California Department of Public Health – Resources, news and information about California health issues and laws. There’s also a listing of all available California public health programs.

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    Learn more about Fresno employee benefit packages offered by Taylor Benefits.

    Written by Todd Taylor

    Todd Taylor

    Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

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