If you own or run a business in Redwood City you’re going to need new insurance soon. With new government regulations on the way, all employers in Redwood City will need to comply with ObamaCare (otherwise known as the “Affordable Care Act”). This is a mandate that applies to companies of all shapes and sizes too. However, it’s not just employers who might be anxious and puzzled – many insurance agents seem to be in the dark where ObamaCare is concerned as well.
At Brauer Insurance, we train agents in ObamaCare, even those that don’t typically specialize in health insurance. Not only are we State Certified in health reform, we’re also a leader in area health insurance. If you’re a stickler for good service, you should be happy to note that we excel in what we do– something clearly evidenced by all the press we’ve received via Radio and TV. Brauer Insurance means better business health insurance at affordable prices.
Why Redwood City Businesses Choose Brauer Insurance
Please let us piece together the business health insurance plan that best suits your needs today. We’re not like most brokers, who either don’t have (or typically charge a fee for):
- COBRA Administration
- Comprehensive HR Support Center with Compliance and HR questions answered by a legal professional
- Yearly Personalized Benefit Statement for employees (groups over 20)
- Online Benefits Access 24/7
- Comprehensive (EAP) Employee Assistance Program
Believe it or not, we offer these business health insurance services to Redwood City companies for FREE. If you want in, then contact us for a Free Strategy Analysis and to learn how we can help super-charge your health program and plan(s).
Health Insurance Plan Types
Plans are usually structured in one of several ways:
- PPO (Preferred Provider Organization) PPO insurance, typically less expensive than HMO insurance, gives employees the freedom to choose their own doctor.
- HMO (Health Maintenance Organization) The monthly cost of HMO insurance is usually higher than PPO insurance, but copays are often lower. Except for emergency services, HMOs will only cover care by HMO doctors and hospitals.
- HSA (Health Savings Account) HSAs are usually PPO type plans with an attached tax free savings account. Contributions are limited to $3250 for singles and $6450 for families and can be funded by the company, the employee, or by another individual.
- Funds can be used for copays, dental, vision, chiropractic, acupuncture, orthodontics, prescribed medications, etc. At the end of the year, unused money “rolls over” and can be used for medical expenses the following year.
- HRA (Health Reimbursement Arrangement) HRAs are similar to HSAs. The pricing of HRAs vary considerably and are attractive because the benefits can be structured to suit each company. Employee medical expenses are “reimbursed” by the employer.
Specialists in Business Health Insurance
Without a doubt, the business health insurance landscape can appear to be very tough-looking, especially in light of all the current changes taking place with regards to the law. Ask yourself this: if seeing a specialist cost the same as a general physician, wouldn’t you want the extra care? If you’re ready to move on, look to Brauer Insurance. We’ll track down the benefits you need to rejuvenate your company and health benefits program.