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When you are shopping for health insurance for your employees, using a health insurance or employee benefits agent can help you save time and money. Best of all, working with an agent is free.

 

An agent can provide you with valuable assistance, including:

 

Things to Consider

When you are talking with potential agents, you should consider:

 

The Right Choice Is Crucial

Your agent is your primary liaison to the health insurance company you and your employees choose for your coverage. He or she is there to help you – from start to finish – throughout the plan year. Selecting a good agent is crucial, and it could mean the difference between a positive and negative experience for you and your employees.

It could also mean the difference between paying an affordable premium and overpaying. An agent will work with you to find a balance between what your budget allows for employee benefits and a plan that addresses your employees’ health care needs. He or she will also help you stay in compliance, as your advisor on employee benefits and insurance matters. That means you can stay focused on what is really important: running your business.

 

We Make It Easy to Find an Agent

If you don’t already have an employee benefits agent, we can help you find one who will meet with you and discuss your employee benefits budget – and how you can find a plan that works for your business as well as your employees. If you have an agent, be sure to ask whether a multi-carrier exchange might be a good choice for your business. You may also want to read our post, What Defines an Employee Benefits Package?, to learn more about how you can tailor your employee benefits using an exchange.

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One of the many valuable resources CaliforniaChoice offers small business owners is our suite of Smart Decision Technology tools.

Each of the four tools is designed to simplify the process of selecting a health plan for you and your employees.

 

1. Online Enrollment

Go paperless with online enrollment. It eliminates incomplete applications, reduces the number of pending items, and decreases your overall processing time. You can even track enrollments to see who still needs to complete an application.

A traditional paper-based enrollment is still available. If your group has employees in multiple locations, you can choose a combination of online and paper enrollment.

 

2. Automated Choice Profiler

This online assistant give your employees the ability to review premiums, deductibles, and other out-of-pocket costs (like copays and co-insurance) to get a total estimated cost of annual health insurance coverage. Employees can look at plans side-by-side based on costs, risk, and quality. The Automated Choice Profiler helps your employees find the right coverage to meet their ongoing, potential, or planned health care needs.

 

3. Online Provider Search

Take the guesswork out of finding the right doctor by offering employees an online search tool. It’s the easiest way to know whether a preferred doctor is part of any of the eight health plans offered through CaliforniaChoice.

Here’s how it works:

 

You can narrow or widen a search by adding:

 

4. Online Rx Search

Help your employees find the right health plan to match their prescription drug needs. Our online search tools allows you to look up medications based on these criteria:

 

Talk With Your Agent

If you’re interested in learning more about CaliforniaChoice and the valuable tools that help you and your employees find the right coverage, contact your employee benefits agent. If you do not already have an agent, we can help you find one.