Group Benefits - Benefits Pass Program
HEALTH INSURANCE plans are changing, again…
Personalized service and communication from our insurance professionals is the key to successfully helping employers provide meaningful benefits to their employees.
A large part of a businesses budget goes toward their Medical Insurance plan. Yet, many companies do not review the plan each year. It is complicated, employees get confused, and owners do not know how to explain the changes. We help simplify the process through a detailed interview, choices from all carriers, explanation to employees and on-site enrollment. We bring large corporate benefits to small business.
Our goal is to always present you with the best value possible for your insurance dollars. By working with GVIS Insurance & Benefits, you will receive coverage options for group health insurance from ALL carriers, with additional benefits that will delight each of your employees.
Group Health Insurance:
• Coverage options from all carriers
• 2 to 250 employees
• NO MEDICAL QUESTIONS
• Guaranteed Issued
• Discounts for pharmacy and health & wellness services
• Can stay with your current doctor or choose a new one
• Can integrate with Payroll for easy admin and reporting
Benefits Pass Plus
Any insurance broker can place you in a health plan. With Benefits Pass Plus, you get the extra fringe benefits that large companies offer, and the option to choose only the ones that work for your company and employees. It is the "plus" part of this program that shows how hard we work to offer the benefits of the "Fortune 500" to local companies.
Here are the additional optional benefits available to our clients:
Supplemental Health and Accident Insurance
Group Vision, Dental, Life, and Disability
Disability and Life Insurance
Group Discounts for Auto, Home and Property Insurance
Workplace Lunch & Learn Seminars
Discounts Prescription Drugs
Health & Wellness Services
Payroll Integration of Benefits
Business Benefits Banking – New from Union Bank
Vehicle Purchasing Service for new or certified cars
Fleet Vehicle Maintenance and Repairs
First Time Home Buyer Program/Relocation Service
Contractor Referral Program
Group Health Insurance FAQ
How the Coverage Works:
Deductible - The amount you pay before the plan coverage starts (except for Dr visits, which has a copay)
Coinsurance - The % split between the carrier and you, after the deductible is met, before the Max is reached.
Max Out of Pocket - The total amount you pay out for out of pocket expenses, then the plan kicks in at 100% coverage. (except Dr visits and Rx co-pays)
INDIVIDUAL AND FAMILY HEALTH PLANS
INDIVIDUAL AND FAMILY HEALTH PLANS
Starting in October, we will have the ability to compare health plans in the CA health insurance exchange (Covered CA, SHOP). There are several carriers participating in the exchange and they have simplified the plans broken down by coinsurance amounts of 60%, 70%, 80% and 90%. (bronze, silver, gold, platinum).
There are three pieces of good news for you.
1) There is no longer medical underwriting, plans are guaranteed to be issued.
2) Rates have a range cap that will help maintain a reasonable cost.
3) Annual out of pocket maximums have been reduced compared to current carrier plans.
We will still have the opportunity to shop in the open market for plans, and doing so will allow us to compare rates and plans vs exchange plans.
Next Steps - Exchange plan rate details have not been released yet. Let's set-up a time to talk in October and then we can search for a plan specific to your needs and expected usage.
Contact Us to Schedule an Appointment
CONTACT US TO APPLY: (800) 846-5902Today, there is a wide range of health insurance policies offering different benefits and access to different doctors, hospitals or other providers. Starting in 2014, all health insurance plans will share some common characteristics. The federal Affordable Care Act now requires that all health plans offered in the individual and small group markets must provide a comprehensive package of items and services, known as Essential Health Benefits. These benefits fit into the following 10 categories:
Helping businesses, families, and individuals protect their financial future.
Have Questions? Call Us today at (800) 846-5902