Building and maintaining a staff or employees is a challenge for every business in the modern workplace. Part of attracting and retaining the highest quality employees rests on your ability to provide them with the best benefits package available. Increasingly, the key factor in any benefits package is the level of health care coverage provided, in accordance with the Affordable Care Act.
Taylor Benefits has been providing group health insurance in San Jose for more than 25 years. Our group employee health insurance plans offer tremendous flexibility to our clients covering every major health plan and carrier in California.
Taylor Benefits provides the best and most comprehensive group employee health insurance in San Jose and Silicon Valley. We are happy to meet the group health insurance needs of companies large and small, individuals, and self-employed workers in San Jose and surrounding areas. Before a plan is purchased by the employer, the date, statement, and necessary documents should be checked thoroughly.
In addition to negotiating the best rates possible for our participants, we also provide a free online HR tool to help you manage your employee group insurance benefits. You can directly use it from your browser. Some of the many employee group insurance benefits that we offer are covered here:
Offering cost effective employee-sponsored health plans is a great way to retain your best and brightest employees. With the next phase of Obamacare coming in 2014, it’s going to become even more important that quality, affordable health care be offered as part of a group employee benefit. Here’s an overview of the basic options you can offer to employees and their family as part of a group benefits package.
PPO – A PPO or Preferred Provider Organization offers tremendous freedom of choice, allowing employees to choose their own doctors and health care providers. The best savings with a PPO plan come when using the preferred in-network options.
HMO – With a Health Maintenance Organization or HMO, employees must go to specific providers (or groups of providers) for their health-related services to be covered.
HSA – A Health Savings Account is a tax-free account that can be used to pay for health expenses and works similar to a PPO in terms of choice and services. The holidays' schedule is determined yearly in January by the management.
It becomes necessary as an employer to provide health insurance package to your employees and their dependents. Taylor Benefits Insurance Agency knows the importance of employees, the most valuable asset of any organization. A business can lower turnover if the benefits package meets the expectations of its employees, thus keeping the staff hale and hearty.
We’re happy to offer a range of group health insurance services for business employers. Our specialists will guide you in choosing an affordable plan which suits your needs. We also provide dental and vision healthcare services to the desired person. No need to provide any documents as we can also take your requirements via call or mail.
Group health insurance plans are categorized as indemnity plans, such as Fee-for-Service (FFS), or managed care plans, such as Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), and Point-of Service (POS).
The difference between Managed care and Indemnity plans is the choice of physicians, types of providers, medical bill payments, reimbursement, waived bills, and out of pocket expenses.
Group health insurance options vary between states in terms of benefits, size of your business, and coverage options. Before choosing any plan, it’s important to get guidance of our subject matter specialist at Taylor Benefits Agency business’s who understands your health needs. He can help you in finding the perfect solution to your healthcare needs.
Each policy is different. Firstly, the laws governing these policies vary between states. Secondly, all insurance plans must be according to the Affordable Care Act (ACA). It regulates all insurance plans for both small and large scale businesses. Every employer who is purchasing a group insurance service for his company or those buying it individually must be in adherence to this act.
An employer who has less than 50 full time employees is considered as a small company. Rest all other businesses having a larger employee strength are considered as large businesses. Also, the coverage, premiums, and governing laws vary according to the size of the business.
Certain time period is permitted for continuation of insurance plans to people after they lose their job, change of marital status, etc. Many of them continue with their group insurance coverage without any specified time frame. And the credit goes to the federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA).
However, COBRA doesn’t apply to all employers and states, but wherever it doesn't exist there are far better options to purchase from.
An employee group health insurance policy is a great benefit offered to its employees and their family members for giving their services to the company. It’s the most famous health insurance benefit among Americans. Nowadays, additional services such as vision, dental, and age specific coverage is also provided.
For availing San Jose Group Health Insurance services, Call us today and get a free quote at 800 -903-6066.
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