Dennis Jarvis is a licensed insurance agent concentrating on term life insurance. Shop, compare, and instantly quote multiple carriers with professional guidance and resources.
Paying For Individual Health Plans For Employees Many employers in California do not realize that paying for employee's individual health insurance policies presents many problems. There can be liability for the employer in doing so. Let's look at the implications and understand why providing Small Group health insurance to your California employees is important.First, we need to understand the differences between Small Group health or employer...... Similar Editorial : Individual Health Insurance Plans by Mike Yeager. | Source : Blue Shield Dental Insurance
California Small Group Health Insurance - Large Group Health Insurance "Group coverage" is used loosely to describe health insurance plans that are employer sponsored but there is a distinction between "Small Group" and "Large Group" health benefits which is important. Your company's options can be quite different under these two umbrellas so let's take a look at the how they differ both in terms of qualification and treatment under the law.What is "Small Group" in...... Similar Editorial : Arizona Group Health Insurance by Eric Morris. | Source : Blue Shield Dental Insurance
Assigning Rates For Group Health Plans In California How Does the Health Insurance Carrier Assign Rates?Question.When medical premium rates are assigned is there any way to get a better deal? Answer:State of California regulation AB 1672 allows the regulated carriers incorporated in our great state to increase or decrease insurance premiums plus or minus 10% off standard rate. This is called "rate adjustment factor", or R.A.F. in the insurance...... Similar Editorial : California Loan Rates by Darren Dunner. | Source : Blue Shield Dental Insurance
Understanding California Health Plan Deductibles First, the official definition:DeductibleThe amount you must pay for medical services each year before your insurance begins paying.Now what does that mean?The deductible is an amount you will pay first before you get help from the carrier. Keep in mind that with a PPO plan, you will get discounted PPO rates which can lower the costs by 30%-60% even though you have a deductible to meet. It's very...... Similar Editorial : California Health Insurance Agent by Dennis Jarvis. | Source : Dental Insurance Plan In
Understanding California Health Plan Co-Insurance First, what is the official definition of co-insurance?CoinsuranceOnce you have met your deductible, you pay coinsurance for additional medical care. It is a percentage of the billed charge. For example, your insurance company might pay 80%, and then you would pay 20%. It is similar to a co-pay, but is a percentage instead of a dollar amount.Now, let's dig a little deeper. With California health...... Similar Editorial : California Health Insurance Agent by Dennis Jarvis. | Source : Dental Insurance Plan In
California Health Insurance Agent First, what is the difference between a broker and an agent?These terms are often interchanged in conversation. Officially, an Agent is an individual or company that acts on behalf of the carriers to market, sell, and service insurance. The Agent has a contract with the carrier in order to transact this business. A broker is person who also contracts with carriers but officially acts on behalf of...... Similar Editorial : California Commercial Auto Insurance by Eric Morris. | Source : Dental Insurance Plan In
Compare The Major California Health Insurance Carriers Five Critical Criteria used to compare California carriers.1. Health Plan pricing in the market. Ultimately, benefits need to be priced well relative to other similar plans on the market. Also, the plans have to make sense financially in today's world of ever-increasing cost. Some large multi-line carriers like Principle offer extremely rich benefits that have completely priced themselves out of...... Similar Editorial : Comprehensive Major Medical Insurance by Jakob Jelling. | Source : Dental Insurance Plan In
Introduction To California Health Insurance It's important to look at a carrier's policies and restrictions regarding pre-existing conditions, waiting periods and exclusions as they can differ from company to company. This is just an overview in layman's terms.First...what is a pre-existing condition. The official definition reads as follows:Pre-existing ConditionAny illness or health condition for which you have received medical advice or...... Similar Editorial : California Homeownerâ by Krista Farmer. | Source : Dental Insurance Plan In
