Merced Group Health Insurance & Employee Benefit Plans

Employee Benefits & Group Health Plans | Merced, CA

Merced group health insurance plans

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:

  • Flexibility & choice in group health plans
  • Guidance and compliance assistance
  • Employer-sponsored medical coverage, dental and vision plans
  • Retirement plans, pension and 401(k)
  • HMO, PPO, & POS insurance options
  • FREE human resources management system
  • Employee health and wellness programs
  • Preventive care & disability, both short term & long term
  • Life insurance and long-term care
  • A FREE yearly policy review
  • Section 125 (cafeteria plans)
  • Indemnity and managed care
  • Affordable Care Act
  • Access to all major insurance carriers in the state
  • Comprehensive employee benefit packages & health plans

Dial 800 -903-6066 and get free consultation on Merced Group Health Insurance & Employee Benefit Plans

The Benefits Of An Independent Group Health Agent

Stay Informed

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.

Independent Agent

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.

Tailored Solutions

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.

Ongoing Support

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.

Cost Savings

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.

Merced group health benefits and employee insurance plans

Affordable Care Act

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.

Get Started

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:

  • Call us at the number at the top of the page to speak to one of our group health insurance specialists. This method is recommended if you have questions or would like a free consultation about what options might work best for you.
  • Complete the short online proposal request form in the sidebar. A local agent from our office will process the request, and you’ll have an accurate price estimate in a matter of minutes.

Merced Health & Business Resources

Retirement Plans For Businesses – A thorough and in-depth resource from the U.S. Department of Labor that provides a good overview of retirement insurance plan options for business owners.

Are you looking for a Merced Group Health Insurance & Employee Benefit Plans? Click the quote button below to get an instant quote.

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.

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