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California Group Health Insurance Information
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GDI Insurance Agency has created a strong relationship with one of
the finest insurance carriers serving California, while maintaining our primary focus of serving the employer's needs. |
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Most small businesses offering their employees Group Health
insurance plans contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for single coverage) and have the employees pay the premium if they need coverage for their families. Other small businesses pay a percentage of the total health insurance premium cost. |
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As the cost of health care continues to increase at a rate much
faster than inflation, many large employers and small businesses in California choose to have their employees make a contribution towards the cost of health insurance coverage. |
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Employee benefits are an important factor to any business in hiring
and retaining a good work force. We can provide assistance to your benefit administrator in answering employees questions and requests pertaining to health insurance for groups of 20 or more. Every California business needs to review their employee benefit health insurance plan to ensure that this major expense continues to offer the highest quality group health insurance. |
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Click on the link below to fill out a secure quote request form for a
California group health insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage for your businesses most important asset...your employees. Or speak with our Group Employee Health Insurance specialist toll free at 888-991-2929 to discuss the features. |
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We are your local Turlock, CA insurance agency, offering comprehensive group health
insurance plan services to businesses in the following cities and counties: Modesto, Merced, Stockton, Livingston, Hilmar, Stevinson, Atwater, Winton, Delhi, Cressey, Ballico, Denair, Hopeton, Newman, Patterson, Crows Landing, Keyes, Hughson, Oakdale, Ceres, Westley, Grayson, Vernalis, Hickman, Waterford, Tracy, Manteca, Valley Home, Escalon, Banta, Livermore, Lathrop, French Camp, Farmington, Peters, Linden, Waterloo, Byron, Lodi, Galt, Rio Vista, Oakland, Concord, Hayward, Fremont, Pleasanton, Santa Clara, San Ramon, East Foothills, Sunnyvale, Union City, Castro Valley, Alameda, San Leandro, Dublin, Walnut Creek, South San Francisco, Milpitas, Antioch, Pittsburg, Sacramento, Davis, Ione, Woodland, North Highlands, Coulterville, Groveland, Sonora, West Sacramento, Vacaville, Merced Falls, La Grange, Snelling, Catheys Valley, Planada, Tuttle, Gustine, Los Banos, Santa Nella, Volta, El Nido, Chowchilla, Raymond, Coarsegold, Fairmead, Berenda, Fresno, Clovis, Kerman, Mendota, Dos Palos, Firebaugh, Ripperdan, Rolinda, Biola, Easton, Parlier, Selma, Kingsburg, Hanford, Tulare, Visalia, Reedley, Orange Cove, Woodlake, Orosi, Hollister, Gilroy, Stanislaus County, Merced County, San Joaquin County, Madera County, Santa Clara County, Calaveras County, Mariposa County, Alameda County, Contra Costa County, Sacramento County, CA. We also offer group health insurance services throughout the state of California, including the San Francisco, San Jose, Los Angeles and San Diego metro areas, as well as throughout Arizona and Nevada. |
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Managed Care vs. Fee-for Service
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The health insurance plan that works best for your business is
determined primarily by your location, the physicians and hospitals available through the health insurance plan, options offered by each insurance plan, and what your budget can accept. |
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Learn more about the types of Group Health Insurance Plans
we can offer your California business by clicking on a link below! |
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Managed Care:
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Fee-for-Service:
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PPO Insurance Plan (Group Health Insurance - California Business)
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A PPO group health insurance plan is recommended for a California business
desiring to offer their employees convenient access to quality medical care with effective medical management, a large and diverse network of primary care physicians, medical specialists, hospitals and clinics. |
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An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other services as required in an HMO. An employee can see doctors or specialists outside your PPO network, however, your employees portion of the costs will be higher. |
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An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a California PPO health insurance plan. |
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* Convenient access to quality medical care for employees
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* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
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Fee-for-Service:
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Managed Care:
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Learn more about the other types of California Group Health Insurance we can offer
your business by clicking on a link below! |
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Click on the link below to fill out a secure quote request form for a California group
PPO health insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage for your businesses most important asset...your employees. Or speak with our California Group Health Insurance specialist toll free at 888-991-2929 to discuss the features. |
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HMO Insurance Plan (Group Health Insurance - California Business)
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An HMO group health insurance plan helps your California business control
health care costs through a closely managed plan with an emphasis on preventive care. Each employee selects a Primary Care Physician from a network of providers. The Primary Care Physician can coordinate the total care of the employee to help ensure appropriate care is received. An employee may also seek care from any provider in the network without a Primary Care Physician referral, subject to a higher out-of-pocket expense. |
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Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list of participating doctors. That doctor is used for typical circumstances such as annual exams and usual health issues. If the employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will refer them to a provider or facility within the HMO system. Your employees doctor must give authorization for those services to be covered by your HMO. In other words, an employee must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit themselves. |
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* Preventive care emphasis
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* Primary care physician coordinates the total care of the employee
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Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
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An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a California HMO health maintenance plan. |
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Learn more about the other types of California Group Health Insurance we can
offer your business by clicking on a link below! |
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Managed Care:
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Fee-for-Service:
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Insurance Plan (Group Health Insurance - California Business)
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A POS or Point-of-Service group health insurance plan allows your California
employees the option of accessing any medical provider without a primary care physician referral and receive the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers closely managed benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a lower level than for in-network care. |
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Costs that exceed the deductible are covered by a co-insurance plan in which
your employee and the insurance company share the cost for services covered by the policy. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a California POS health insurance plan. |
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Learn more about the other types of California Group Health Insurance we can
offer your business by clicking on a link below! |
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Fee-for-Service:
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Managed Care:
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Click on the link below to fill out a secure quote request form for a California
group HMO health insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage for your businesses most important asset...your employees. Or speak with our California Group Health Insurance specialist toll free at 888-991-2929 to discuss the features. |
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Click on the link below to fill out a secure quote request form for a California group
POS health insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage for your businesses most important asset...your employees. Or speak with our California Group Health Insurance specialist toll free at 888-991-2929 to discuss the features. |
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Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible. Once the deductible is met, this type of group health insurance plan will pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you're responsible for paying the other 20%, which is known as co insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
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California Fee-for-Service group health insurance allows your employee to choose
their doctor and any hospital for their medical services. Usually, an employee will have a deductible such as $500 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
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Fee-for-Service health insurance coverages for employer sponsored employee
benefits in California typically offer the following: |
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* Employers and employees share premiums
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* Employees have the freedom to choose any provider
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* Insurance company pays the allowable claim
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Fee-for-Service group health insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care health plans, such as HMO, PPO, and POS. Fee-for-Service employee health insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan in California. |
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Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your California business in reducing employee benefit costs. |
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* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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Click on the link below to fill out a secure quote request form for a California
Fee-for-Service (Major Medical) group health insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage for your businesses most important asset...your employees. Or speak with our California Group Health Insurance specialist toll free at 888-991-2929 to discuss the features. |
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Managed Care:
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Learn more about the other types of California Group Health Insurance we can
offer your business by clicking on a link below! |
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Copyright 2005 - 2008 GDI Insurance Agency, Inc. - All rights reserved
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Your Contractor Insurance
Services Specialist!
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GDI
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Insurance Agency
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Group
Health
Insurance
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GDI Insurance Agency
801 Geer Road
Turlock, California 95380
Stanislaus County, CA
(209) 634-2929
Toll Free: (888) 991-2929
Fax: (209) 634-2927
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California Group Health Insurance
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