GROUP MEDICAL INSURANCE
For companies with 2-50 employees
ELIGIBILITY TO OFFER GROUP MEDICAL:
(A few basics)
1. You must have a minimum of 2 'eligible' employees working at least 17.5 hours per week. This can be a husband and wife who both work in the business and take payroll. Employee with other group coverage (like a spouse's plan, Medicare or the VA) are counted by not required to enroll.
2. At least 75% or eligible employees must enroll in the plan (most companies), not counting those “waiving” to other group coverage (spouse, VA or Medicare).
3. The employer must pay at least 50% of the employee-only premium
YOU QUALIFY? GREAT! READ ON!
SMALL GROUP COMPANIES COVERAGE BROCHURES:
Click on the colored links below to view the 2012 Medical coverage for each company.
KAISER PERMANENTE:
Kaiser OR Brochure 2012.pdf
PROVIDENCE HEALTH PLANS:
HEALTHNET OF OREGON
REGENCE BLUE CROSS
PREPARING QUOTES FOR YOU:
1. The rates are based on the ages of your employees, so I need a completed 'Census Form'. Please click on the red link below to download the quote request form below and email to danneils@gmail.com, or fax it back to me at 503-863-3821.
GROUP_QUOTE_REQUEST FORM
2. We search our portfolio of companies to find a couple of plans to compare that best fit your stated objectives.
3. We sit down with you to discuss the plan options and refine your benefit package. This can also be done via email and phone for small groups.
4. If you decide to proceed we help you enroll your group and provide follow up support. Each year we continue to be available as needed to provide support, and review renewal options as needed during your “Open Enrollment” month.
5. A popular myth is that you are locked in for a year when you have a group plan. You can change anytime it makes sense to do so, and cancel anytime.
125 POP AND 105 HRA PLANS:
If your employee's pay a portion of the medical premium, or you withdraw premiums for dependents, Section 125 of the tax code requires you to have a Section 125 Plan for your group, other known as a Premium Only Plan (POP), or Cafeteria Plan. This allows the employer to withhold the dependent premiums on a pre-tax basis. I can help you set up this plan if you do not have one in place or you can set one up at www.coredocuments.com .
Another valuable tool is a Health Reimbursement Arrangement (Section 105 HRA under the tax code). You can set up an employer paid HRA that will reimburse employees a pre-set amount of medical, dental, and other unreimbursed expenses, say up to $500 per year. Once you understand this tool you will be amazed, and your employees will be grateful.
Learn more at www.coredocuments.com
CHECKING PROVIDER DIRECTORIES:
To check the Regence Provider Directory Online, click to the link below: Use the Preferred Provider Network (PPP):
http://www.or.regence.com/or-providerSearch/netframe.jsp?panel=ppp&net=member/doctor
To check the Providence Provider Directory Online, click to the link below:
https://www.providence.org/PHP_ProviderDirectory/Pages/PHP/EnterSelections.aspx
To check the HealthNet Provider Directory Online, click to the link below:
https://www.healthnet.com/portal/member/prvfinder/start.do?logoutPortal=member&category=DoctorSearch®ion=XX
To check the Lifewise Provider Directory Online, click to the link below:
https://www.lifewiseor.com/portals/visitor/common/providerDirectory.aspx
To check the Kaiser Provider Directory Online, click to the link below:
http://prospectivemembers.kaiserpermanente.org/kpweb/selectregion.do?gt=/kpweb/medicalstaffdir/nwsearch.do
