Small Business Health Insurance California – A guide to getting set up

A guide to setting up your small business health insurance in California!

Are you looking to give your employees the advantage of health benefits? Whether you have two or thirty employees they’ll find value in small business health insurance California. Not only that, employees will be healthier and require less sick days when medical professionals are easily accessible. Regardless of pre-existing health conditions employees will be accepted because small business health insurance is guarantee issue under California law AB 1672.

Here are some things you may want to prepare before talking to your California health insurance agent:

• How many employees do you have and how many would like to accept coverage? There are employee participation requirements required for getting small business health insurance. Most carriers require 75% participation to be considered for group plans.
• How much are you willing to pay for each employee premium? You’re required to pay a portion of each employee premium, sometimes as little as 25% or a flat dollar amount as low as $50.
• Do you have at least two employees? Most carriers require you to have two full time employees as shown on the DE 6 or quarterly tax and wage statement. With some carriers, limited liability companies (LLC) aren’t required to show payroll records if they can provide LLC documents with an operating agreement.
• Do you have your employee’s personal information readily available? Most insurance agencies require a date of birth, height and weight, home address, dependent details, and other pieces of information to get an accurate quote. It’s a good idea to have a completed group census before calling your agent.
• Are the employees not accepting group health insurance considered an eligible waiver. Employees not qualifying as eligible waivers may put your small business below the employee participation requirements for obtaining group insurance.
• And finally, do you have an agent who can answer all your questions and relay missing information from insurance carriers to you in a timely manner? Getting small business health insurance can be a long process if you’re not working with the right people. JC Lewis Insurance Services has been helping small employer’s get affordable employee benefits for over thirty years.

 

For more information on obtaining California group health insurance for your small business please give us a call toll free at 866-745-9555. We’ll get you set up in no time!