Group health insurance in California is about the best place purchase insurance. The regulations in the state of California are only beneficial. Other states may not have rate regulations. For example Arizona may increase a group’s health insurance rate up to 300% come renewal. There are a few tips we have when it comes time to purchase group health insurance in California. First off it is important to know carrier requirements. Across the board all carriers require the employer to pay a minimum of 50% of the lowest cost HMO. Sometimes the employer may decide to pay only a flat rate. The flat rate minimum is determined by the carrier of choice. Carriers all require a 75% minimum participation of full-time and eligible company employees. Without proper participation the group does not qualify for coverage.

- Always look for a package that includes plan benefits specifically suited to your company’s needs and desires. If you are looking for plans that are HSA qualified you may want to look into Anthem Blue Cross’s Lumenous plans as they are leading the HSA market.

- Take into consideration the number doctors and hospitals that are contracted with your carrier of choice. If you already have a doctor, look to see that he/she is in your network so that you can carry your doctor over to your new insurance.

- Choose plans that give your employees a choice. Plans that are less expensive monthly generally have higher deductibles or co-pays. Some employees feel more comfortable paying less monthly and paying more if they have to see a doctor. In these cases an HMO would work best.

- When possible always offer an HMO and a PPO to your employees. It is a common misconception that HMO’s are inferior to PPO’s. Health insurance is all preference. Some individuals enjoy an HMO because they are focused on preventative/ proactive as opposed to reactive like PPO plans. HMO’s are less costly to use for the insured where as PPO plans generally have co-insurance model that the insured is responsible to pay for services.

Group health insurance should be reviewed once every year BEFORE renewal so that the group can choose alternate plans and avoid a rate increase if one is scheduled. We make sure to avoid large rate increases for our clients. It is an essential part of our business to make sure your health insurance rates are under control and you are able to continue to offer toyour employees as it essential to keeping a happy and satisfied workplace.

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It is very clear that choosing the right type of group health insurance in California takes some professional assistance. We are here to help you. With our extensive knowledge in the California group health insurance market we are able to cater to your needs and work out a plan strategy that fits the needs of your unique company. Call us toll free at 888-202-9441 or email us at admin@ezhealthinsuranceca.com. Our group health insurance specialists are available to meet at your place of work to create a personalized experience.

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