"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 differ both in terms of qualification and treatment under the law.
What is "Small Group" in terms of employer-sponsored health insurance In the State of California, Small Group health insurance is essentially employer-sponsored health insurance for companies with 2-50 employees. Eligibility requirements and protection is handled under AB1672.
First, "Guaranteed issue" is a very big advantage to establishing a Group health insurance plan in California versus other States. Regardless of the health of employees enrolling, the carrier must offer coverage to an eligible company. There are requirements that must be met by the company but the big three are 1) 2-50 employees/owners; 2) 75% of the eligible employees must go with the plan; and 3) the employer must pay at least 50% of the employee's premium (does not mandate dependents). For more information on qualifying for Small Group coverage, please check our page of Small Group enrollment.
The ability of the company to change rates is also very important, especially for companies that have employees with health issues. In California, the carriers can up or down from the standard rate by 10%. This is called the RAF (Risk Adjustment Factor). The size of the group can affect this rate factor since the larger the group are more likely to get a lower RAF. The theory is that health issues are spread among a larger pool of people. It's not atypical for carriers to offer RAF guarantees based on the size of the enrolling group.
Finally, the health carriers in California designate and file their Small Group plans with State agency responsible. Any eligible group can then apply for the same plan regardless of health. This is important to keep carriers from "cherry picking" healthy groups on to certain plan types and excluding less healthy groups.
How does Large Group health insurance differ?
Officially, large group health insurance is for groups with more than 50 employees/owners. Some carriers may allow groups that were originally designated as Small Group to remain on the Small Group suite of plans if they grow beyond 50 employees but they are not required to. There are some very big differences when comparing Large Group with Small Group described above.
Large group plans are not protected by AB 1672 and are not "guaranteed issue". The carrier can decline coverage to groups based on claims experience and/or health history. Rates are built for that specific group's claims experience and risk so total amounts can vary significantly from group to group. The plan options are different from those offered to Small Group and then to offer many more options. Some carriers even offer more of a cafeteria option where employer's pick specific benefits to offer (i.e. choice of office copay, etc). Some Large group have tailor-made benefits to meet their needs and budget. Large group is quite different from Small Group and contacting an experienced agent is more important than ever when navigating this side of the business.
Dennis Jarvis is a licensed California group health insurance broker with extensive knowledge of the Small Group health market in California.
Jeans That Heal: Custom Jeans Company Makes Ayurvedic Organic Clothing That Possess Medicinal Benefits
Makeyourownjeans.com have recently created a new fashion product using techniques that go back over 5,000 years, can heal the body and help loose weight too. They call it "Ayurvedic Organic Jeans", they give an overall sense of well being.
Branding Article: Pepsis Missed Brand Opportunity
I love Pepsi. It's that slightly sweeter taste and the all-American logo combined with the non-conformist statement that, well, it's not Coke.
Plus Size Maternity Jeans - What You Should Know
Pregnant moms who become plus sized, love maternity jeans, as they do not want to miss out on the comfort of denim, while their abdomen is expanding for the developing baby. You will find that till about the fourth month or the second trimester, regular plus size jeans can be worn.
Places to Unearth Comfy Maternity Jeans For Tall Women
Finding tall maternity jeans can be difficult at best Already the clothing choices are limited to maternity wear, but when you're dealing with a 34-inch inseam, it can be that much harder
Beautiful Plus Size Clothing is Available for the Sexy Full Size Women
America is known for its population of larger people. Men and women alike have a hard time finding plus size clothing that is in style. Though the population of the country is larger, the fashion industry is more revolved around those who are teeny tiny. This may affect both men and women but none worse than the beautiful plus sized women.
Plus Size Maternity Clothing: Better Selection On Internet
Pregnant women range in size from petite to extra large. A lot of women require plus size clothes as well as plus size maternity clothes. These can be difficult to find compared to maternity clothing for normal size women. Also, these special size clothes can be expensive. However, it is possible to purchase maternity clothes that are reasonably priced.
Selecting Your Plus Size Maternity Work Clothes Wardrobe
Around the three or four month mark of your pregnancy you will want to buy some maternity clothes that are appropriate for wearing to work. Many women now work almost up until their baby is born and they want to look professional at work. When your clothes start to feel a little tight you should start thinking about purchasing maternity clothes.
Your Plus Size Lingerie Clothing Sytle
You are feeling full of anticipation and naughty. You are waiting for your husband to come home. You dab on the most provocative perfume you own, which is your husbands favorite. You are wearing a teddy with a leopard print. While checking yourself in the mirror you look at your choice of your accessories and smile to yourself. You feel so vamped up.
Maternity Photography Specialist Chosen By Miss America 2002 Katie Harmon
There are a lot of photographers that serve Vancouver, Washington and surrounding cities, the Greater Portland, Oregon area, and Orange County, California.
Nearly all of them will claim that they too do maternity photography. However, even a brief search shows that preciously few specialize in this … and only one has been garnered with praise, appeared in eight top publications, and has their work displayed as art in locations as diverse as maternity clinics to yoga centers. Only one has been chosen to be the exclusive family photographer for Katie Hamrom (Miss America 2002).
Maternity Clothing - What Every Woman Needs To Know About Maternity Clothes
Let's face it: maternity clothing is ugly and expensive. Since most women don't need to wear maternity clothes until the second trimester, at most you'll only be getting six months of use out of those ugly $200 overalls to cover your ever expanding stomach. I couldn't bring myself to spend thousands of dollars on a new wardrobe when I already felt so ugly, so I resorted to making my own for as long as possible. For example, I really didn't want to buy old lady underwear that would cover me from my belly button to the tops of my thighs. They were hot and uncomfortable anyway, but there aren't many sexy maternity panties around.