Taylor Benefits is an independent health insurance and group benefit agency that caters to businesses and employee groups in Petaluma and Sonoma County. We strive to not only provide great, cost-effective benefits solutions, but also to help companies move forward in meeting their future business and financial goals as they relate to health care costs. With more than 25 years of experience, we are one of the most trusted and affordable local options if you need customized employee health insurance and benefits. Here are some of the services and policy options we offer:
Prescription Drug Benefit – Prescription drug costs and copays are a potentially large expense for employees, which makes offering a quality pharmacy plan an important part of an overall health plan. There are a variety of ways that businesses can help offset the cost of out-of-pocket spending for prescription drugs. One way this is done is through tax-sheltered health spending accounts in which a portion of pre-taxed income can be used to pay for health costs. Depending on the size of the business, a qualifying HMO or PPO option may also be an appropriate way to offer quality health insurance at an affordable price.
Benefit Selection – With so many options available on the market now, having the right guidance at your side is tremendously helpful in finding the right health coverage to offer employees. Many factors need to be taken into account and our expertise allows us to pick and choose from what’s available to more closely match the cost and coverage expectations you have. We tailor each client’s proposal to suit their specific needs and goals, with an eye toward providing the best balance between affordability and quality health coverage options.
Communication – Whether you have a question about your current employee benefits offering or are looking ahead to what will work in the future, we are always available to offer guidance. All clients receive a free yearly policy review and, if necessary, we are able to make recommendations based on market conditions, the industry your business is in, and upcoming changes to health care laws. We pride ourselves on working closely with our clients and help is always just a phone call or email away!
2018 Excise Tax – In 2018, businesses that offer “Cadillac plans,” or health coverage that exceeds certain annual limit will have to pay an excise tax of 40%. Any company that offers deluxe packages or executive benefits should be aware of the upcoming changes.
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