Large Group Health Insurance Plans

California Health Insurance Services

Large Group Medical Insurance

Choosing the Right Plan

There are several carriers available to California large group employers. A large group is a company with 51+ employees.

Health Net, Kaiser, Blue Shield, Blue Cross, Aetna, Cigna and United/Pacificare are the main carriers you have to choose from.

The employer will also need to decide how much the company is going to contribute to each employee's healthcare. This is an important decision and we can help you create a contribution strategy that is affordable and beneficial to your employees.

The plan type you choose will determine how you select and access health care services. In general, the wider your choice of doctors and hospitals, the higher your costs will be in terms of premiums and/or levels of health care coverage.

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Types of Plans

HMO (Health Maintenance Organizations)

A health care financing and delivery system that provides comprehensive health care for subscribing members in a particular geographic area using managed care techniques. Most HMOs require that you only utilize physicians within their network, often going so far as

PPO (Preferred Provider Organization)

An organization where providers are under contract to an insurance company or health plan to provide care at a discounted or negotiated rate. Typically, you can see any doctor in the PPO network without requiring special approval, and you usually do not need to choose a primary care physician. Most PPOs will also allow you to seek care outside of the PPO network; however, the benefits are usually reduced and the insured has a greater out-of-pocket expense.