 Free Online Articles Directory |
|||||
Home Page  Dennis Jarvis |
|||||
 |
Dennis Jarvis is a licensed California broker with extensive knowledge of the Individual and Small Group health market in California. California health insurance Sort By: Date | Popularity
Paying For Individual Health Plans For EmployeesMany 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... What is Difference Between California Small Group and 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... Back To The Basics... More Information On The Max Out Of PocketThe official definition for California health insurance plans:
Out-of-Pocket Maximum
The most you will have to pay in a year for deductibles and coinsurance for covered benefits.
You will sometimes see this referred as Out-of-Pocket Maximum, Copay Maximum, or Max out of Pocket depending on the health carrier. They all mean the same... Understanding California Health Plan DeductiblesFirst, the official definition:
Deductible
The 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... Understanding California Health Plan Co-InsuranceFirst, what is the official definition of co-insurance?
Coinsurance
Once 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... Compare The Major California Health Insurance CarriersFive 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... What Role Does Your California Health Insurance Agent Or Broker Play?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... A Quick Introduction To California Health Insurance And Pre-existing Conditions, Waiting Periods, And ExclusionsIt'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 Condition
Any illness or health condition for which...
|
|
|||
|
Article Categories
|
 |
||||
 Sign up for our email newsletterReceive updates, enter your email below
Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2008 Free Articles by ArticlesBase.com, All rights reserved. (0.14, 7) |
|||||
