Choosing group health insurance is one of the biggest decisions a small business makes. You want good coverage for your employees and a cost your company can plan around. Boyer Insurance Services has worked with employers since 1982, from car dealerships and light manufacturers to law firms, CPAs and human resources firms.
How an Employee Benefits Broker Helps
As an independent employee benefits agent and broker, we work with several insurance companies. We help you understand your options, request quotes, compare plan designs and set up coverage. After your plan is in place, we help with renewals, new hires and employee questions.
Small-Group Health Insurance in California
In California, small-group health insurance generally covers employers with 1 to 100 eligible employees. Insurance companies set their own participation and employer contribution rules, so it helps to know these before you request quotes.
HMO vs. PPO Plans for Your Group
Most group medical plans are either an HMO or a PPO. Many employers offer one of each, sometimes called a dual-option plan.
- HMO (Health Maintenance Organization): employees choose a primary care doctor in the network and usually need referrals to see specialists. HMO plans often cost less.
- PPO (Preferred Provider Organization): employees can see network providers without referrals and can usually go out of network for a higher cost. PPO plans often cost more.
Benefits Beyond Medical
- Group dental insurance
- Group vision insurance
- Group life and disability insurance
- Voluntary benefits that employees can choose and pay for themselves
Employees Turning 65
If some of your employees are 65 or older, the size of your company affects how your group plan works with Medicare. We can explain these rules to you and to your employees. Learn more about Medicare and employer coverage.
What We Need for a Quote
- Your group name and size (number of employees)
- Your company location (city, state and ZIP code)
- The plan types you are interested in (PPO, HMO or dual-option) and your general budget
- A census of eligible employees applying for coverage
Download a blank census form. Completed forms can be sent to Ron Boyer at ronboyer@boyerinsurance.com.
Serving Employers in Los Angeles County
We help small employers across Los Angeles County, including the Santa Clarita Valley. Call us at 310-440-0281 or toll free at (844) 532-9009, or contact us here, to talk about your group.