- Providing world class service and value for employee benefit group plans since 1987
Taylor Benefits Insurance has over 25 years of experience providing top-notch employee benefits plans and group health insurance packages in Oregon. We set the bar high, offering personalized service when creating customized business packages designed specifically to meet your company’s needs. Taylor Benefits prides itself on providing comprehensive and affordable insurance to your valued employees while constantly figuring out ways to effectively cut costs for you as the employer.
We specialize in the following:
Taylor Benefits works independently, which allows us to combine aspects of many different insurance products in an effort to provide you with the most comprehensive packages at the lowest rates possible. Whether you run a small business with 10 employees or need a package deal for over a thousand, we can help!
Healthcare in Oregon is constantly evolving, so Taylor Benefits Insurance must be flexible. We consistently keep up-to-date with regulatory changes, so your company will remain compliant through it all.
Call us today at the number on the top of the page for a FREE estimate and available group benefits options in Oregon, or complete the simple form on the right for a no-obligation, customized proposal for your Oregon-based business.
Since the implementation of the Affordable Care Act (ACA), group health insurance plans are required to meet established standards for essential benefits. If the program doesn’t provide all the components, the employer offering the coverage can be found non-compliant with ACA rules. The ten essential minimum benefits that a large group health plan must cover are these:
One of the mandatory covered services is preventive and wellness services, including chronic disease management. That means insurers must include preventive services without any cost to the patient. Preventive care includes vaccines, cancer screenings, and testing for other illnesses and conditions like high blood pressure and cholesterol. Some large employers are going further, offering additional screenings plus information about disease avoidance and management. Many add incentives and support for health-conscious activities like exercise, smoking cessation, and stress reduction. Incentives can be as simple as offering employees a step counter (exercise monitor) when they sign up to participate.
Oregon’s marketplace for small businesses offers helpful resources for companies that want to provide healthcare insurance for their workers. Companies can learn about the options for coverage, pricing, and how to access information about tax credits. Taylor Benefits Insurance can help your company navigate the regulations and be sure that you locate the support that’s available for you. Small companies must meet these criteria to be eligible for the administrative support tax credit:
Oregon requires employers to provide up to forty hours of sick leave for their workers annually. Employees accrue time at the rate of at least one hour earned for every thirty hours worked. For companies with at least ten employees, sick leave must be paid time off. No other paid time off is required, but Oregon workers are entitled to an unpaid family leave of up to twelve weeks.
Oregon has a retirement savings program that companies must register for if they do not offer a retirement plan on their own. OregonSaves does not require the company to make any contributions, but it must administer employee deposits.
The Affordable Care Act (ACA), often referred to simply as Obamacare, was revolutionary when implemented. It allowed uninsured people all over the country to afford insurance. Of course, the ACA also greatly affected the way insurance was provided in the workplace. Oregon companies were especially affected by the changes.
Many businesses were forced to restructure their insurance plans entirely, which was a costly endeavor. Taylor Benefits Insurance can help review your policies, offering suggestions or alternatives to ensure you stay in compliance with the ACA while also watching your budget. We are constantly offering updated packages to positively influence your bottom line while providing the most comprehensive coverage to your employees.
If you need this type of attentive insurance assistance and are operating an Oregon-based business, please complete the form on the right or call the number at the top of the page for a FREE, customized proposal guaranteed to meet your needs exactly.
Health insurance provides financial security for employees since they can obtain the medical services they need without worrying about the cost. Oregon requires residents to have individual or employer-based coverage unless they have a verified exemption. Here are some of the frequently asked questions about health insurance in Oregon:
Large group plans in Oregon are available for any company or other organization with more than fifty members/employees. Since the insurer can spread the risk over a larger number of people, a large group policy is often available with a lower per-person premium.
Small group coverage can be effective for companies with even one employee, or as many as fifty. In most cases, small group coverage is more affordable than individual policies.
In Oregon, employees have access to a variety of benefits. The employer decides what to incorporate into the package, but the list may include any of the following:
While employers decide what to include, many try to incorporate benefits that will match their workers’ needs.
Employers and employees usually share the costs of insurance. In Oregon, employers contribute an average of 84 percent of the premium cost for individual coverage. Some also subsidize the cost for dependents.
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