- Providing world class service and value for employee benefit group plans since 1987
Taylor Benefits is an independent group health insurance agent with more than 25 years of experience working in the San Joaquin Valley and Northern California. We specialize in group benefits coverage for small and medium-sized businesses in Merced, including all the following services:
Dial 800 -903-6066 and get free consultation on Merced Group Health Insurance & Employee Benefit Plans
Staying competitive in the job market requires having an attractive employee benefits package that offers convenient access to care for the entire family. To achieve this, it is important to keep up with the latest health and retirement savings options available in California. By doing so, businesses can stay ahead of changes in healthcare reform law and offer customized plans that meet their employees’ needs. With our expertise in this area, we can help you create a benefits package that is both enticing and benefits your business, while also providing convenient access to care for the entire family.
Partnering with an independent group health insurance agent means that you get access to more choices than if you went directly with an insurance carrier. A health coverage carrier is a company like Blue Cross, Aetna, or Cigna that can only offer health insurance plans under the umbrella of their own company. With an independent agent like Taylor Benefits, you’re not tied to just one company’s options and can choose from a variety of carriers and health plan options to find the best fit for your business during open enrollment. Additionally, independent agents can provide you with valuable services such as personalized plan recommendations and help with claims and billing.
Independent group health agents work directly with businesses to understand their unique needs and craft customized insurance plans. Unlike tied agents who are limited to specific insurance companies, independents have the flexibility to recommend policies from a wide range of providers, ensuring that businesses get the coverage that best fits their requirements.
The relationship between an independent group health agent and their clients extends beyond the initial policy purchase. These agents provide continuous support throughout the policy term, assisting with claims processing, addressing coverage concerns, and facilitating any necessary adjustments to the insurance plan. Their commitment to client satisfaction ensures that businesses receive prompt and personalized assistance whenever needed.
Contrary to common misconceptions, enlisting the services of an independent agent does not necessarily entail higher costs. In fact, these professionals are adept at negotiating competitive rates and identifying cost-saving opportunities without compromising on coverage quality. By leveraging their industry connections and expertise, independent agents can often secure more favorable premiums and terms for their clients. They can also help you understand the qualifications for different plans, including whether you qualify for Medicare.
While those without legal status cannot enroll in Covered California plans, they may be eligible for Medi-Cal until the age of 26 or during pregnancy. An independent insurance agent can help you navigate the eligibility requirements and find the best coverage options for you and your family.
As a business owner, understanding the implications of the ACA on your group health insurance plans is crucial. The act mandates that certain employers provide affordable health insurance coverage to their full-time employees or face penalties. Compliance with this mandate involves offering insurance plans that meet minimum essential coverage and affordability standards set by the ACA.
Under the ACA, all health insurance plans must cover a set of essential health benefits. These benefits include preventive care, prescription drugs, maternity care, mental health services, and more. Employers need to ensure that their group health plans encompass these essential benefits to comply with the law.
One of the key provisions of the ACA is the prohibition of insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. The Affordable Care Act also offers subsidies and tax credits to eligible individuals and families to help make health insurance more affordable.
We’re so confident that you’ll love our service that we proudly offer free, no-obligation group insurance proposals to all of our customers in Merced and Merced County. Potential clients can get access to our free insurance estimates in two ways:
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.
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.
We’re ready to help! Call today: 800-903-6066