Group health plans for Small Business

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Small Group Plans (1-50 employees)

Group Health has an abundance of offerings for small groups. Mix and match by pairing any plan with any physician network for the most choice, flexibility, and affordability. You can choose the combination that is right for your business. Refer to the attached Benefit Summary for plan-specific benefit information, network definitions, and plan choices.

The three physician networks offered to small groups are: Group Health (defined), Options (point-of-service), and Alliant Plus (point-of-service).

Benefit Summary 2013 (PDF)

Small Group Service Area Map (PDF)

Medium/Large Group Plans (51+ employees)

All plans feature a variety of copayment, deductible, and coinsurance options.

Network Choices

Group Health (offered by Group Health Cooperative)
Defined network
More than 1, 000* Group Health doctors and clinicians and nearly 6, 500* contracted providers.

Options (offered by Group Health Options, Inc.)
Point-of-service
More than 1, 000* Group Health doctors and clinicians and nearly 6, 500* contracted providers, plus out-of-network coverage with any provider.

Options Select (offered by Group Health Options, Inc.)
Defined network
More than 1, 000* Group Health doctors and clinicians and nearly 6, 500* contracted providers.

Options PPO (offered by Group Health Options, Inc.)
Preferred provider organization
Choose from tens of thousands of providers nationwide, including the Group Health network and nearly 6, 500* contracted providers.

Alliant Select (offered by Group Health Options, Inc.)
Defined network
More than 1, 000* Group Health doctors and clinicians and nearly 6, 500* contracted providers, plus care from Virginia Mason and Everett Clinic medical centers.

Alliant Plus (offered by Group Health Options, Inc.)
Point-of-service
More than 1, 000* Group Health doctors and clinicians and nearly 6, 500* contracted providers, care from Virginia Mason and Everett Clinic medical centers, plus out-of-network coverage with any provider.

*Source: OIC Provider Network Form A, September 2007

MORE INFORMATION

PRODUCERS
Learn more about the types of plans available to employees. Appointed producers can also use our password-protected producer site to conduct business online.

EMPLOYERS
Our Web site for employers provides in-depth health plan information, forms, maps, and contact information.

RATE INCREASES

In order to comply with new federal rate review regulations, Group Heath Cooperative and Group Health Options, Inc. are required to post information for small group and individual products whose rate increases are reviewed and deemed unreasonable by the CMS federal agency (Centers for Medicare and Medicaid Services). The federal definition of small group and individual market applies for this purpose.
Get more information here.


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2007-04-08 15:24:21 by psc2007

California group health insurance small business

I'm investigating group health insurance for a small business (10+ people) in Southern California. We want to offer 6-8 plans (probably a combination of HMO, PPO and POS) from which employees can choose, plus a good out-of-state network for those who travel. What's the opinion on which carriers give the best long-term value for the dollar? Are there any ways to obtain insurance other than by going through a broker or to one of the name carriers? Also, I have heard that some carriers allow 1099 contractors to be included in a group plan - does anyone have any experience with how well that works?
- Thank you.

2007-04-08 16:57:42 by kfuller

California group health insurance (Help Found)

!) 1099 employees must apply for individual health insurance plans
2) You can offer multiple plans to a small group granted you meet eligibility and enrollment requirements.
3) There are no added fees when a business chooses to work with a legitimate California Insurance Broker. The monthly “premium” is the same, whether you have an agent on your side or not. The “cost” of not having an agent is often higher. Our company has staff that we employ to wait on the phone and resolve issues with insurance companies. It also helps to receive a call when a lower cost option comes available – no insurance company is going to do that

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