We want you to be satisfied with your
benefits.
We also want to keep you up-to-date on
what's new in the market. This month we're
giving you a heads-up on what's happening in
small-group insurance and some newer options.
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Carriers Creating More Choices |
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The California small group insurance
market is always adapting. Because we have
guaranteed issue requirements, enough
competition exists to ensure that new
products are being developed and
introduced.
As a result, there is a growing choice of
plans and carriers. But where choice
increases, so can confusion.
Some of the new products include:
- A new Kaiser product called
Choice Solution that allows
employers with 2-50 employees to offer 7
plan designs, including HMO plans, a
PPO, POS plans, an indemnity plan, and
optional dental, life and POP plans.
- The opportunity to pair Blue Cross
plans with another carrier's HMO through
Blue Cross's EmployeeChoice
program.
- High deductible plans from various
carriers with limitations on brand
prescription coverage.
- Plans that offer mainly catastrophic
hospital coverage.
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The Challenge of Choice |
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The challenge with these non-traditional
plans is that people will look solely at
premium savings rather than weighing
premiums against the out-of-pocket
liability that employees will have at
claim time.
Some areas to pay particular attention
to are brand-name prescription coverage,
hospital copayments, and coverage for
non-severe mental health services.
Our goal is to help you find the right
balance of cost and benefits for the
people in your organization. We can help
ensure that employees have the quality
health coverage they need.
We're happy to review your options for
new plans at your annual renewal or at any
time during the year if you aren't
satsified with your current benefits.
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Help us help you! |
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Help us serve you better! If you
run into a challenging benefits issue, let
us know! We'll work with you to find a
solution-and help others.
Thanks for being our client! We
appreciate your business.
We want to make your job easier. Call
us at 800.733.8692 or...
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