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Retain Top Employees with Group Health Insurance Choices
Where do you find employee and employer choices in group health insurance products? A few group health plans with lots of options to choose from are entering the California marketplace. Predominate among these plans is the "California Choice" group health plan and the Blue Cross "Employee Elect" group health plan.

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Employee Choices in Group Health Insurance

An employee benefits program costs money no matter what benefits are offered. Spending big money on group health insurance and ending up with unhappy employees is no longer a "necessary by-product" of a group health insurance plan. Employees can now define a large portion of their own program.
  • Are some employees taking a secondary choice of physicians?
  • Are some prescriptions covered by one carrier but not by another?
  • Are rate increases within your control or within the control of the HMO?
  • Are any of your employees unhappy with the present group health plan?
  • Are some employees willing to spend some money to get what they want?
    • Any "yes" answer above means you should take a look at your present group health insurance program. You will find the new plans offer a variety of HMO, PPO, RX, Dental and other choices to make the entire selection process better for both employer and employee. Would you like to be able to choose from up to nine different HMOs or up to four PPO plans?


    Defined Contribution

    Defined contribution works well with these plans. Employers like the cost control available while still offering a wide variety of plans to suit the individual needs of the employees.


    Frequent Travelers
    Employees in Other States

    Firms with frequent travelers, employees in other states and employees who travel to foreign countries have special needs that must be addressed. A frank discussion of all of your company's operations should always be a part of the annual policy review.


    Independent Brokers

    We are independent insurance agents and brokers. We bring a variety of products and companies to the table when you are in the selection process. Our allegiance is to you and your employees. Put us to work for you now!


    Ready for a group health insurance review? Firms with a presence in California should email me now.
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