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We don't charge broker fees for California small business health plans, all compensation is paid by the insurance companies. The prices for small group health plans are fixed by the state of California. You won't pay anymore for using us. Our value is in our service and knowledge.
For immediate assistance call 1-877-686-5433 to speak with a licensed broker or email info@insurafy.com. We provide fast free custom Kaiser Permanente quotes for your business. Also available are quotes for UnitedHealthCare, Anthem Blue Cross, California Blue Shield and many others. Sample quotes for Los Angeles small businesses.
As a busy entrepreneur, you want health plans that are simple and easy to use — for you and your employees.
You need:
- options that provide flexibility
- help managing your health care dollars
- tools and resources that empower your employees to be healthier
These are the solutions you get with Kaiser Permanente. Together we can help build a better, sustainable future for your business.
Give your employees the freedom of choice with multiple plan offerings
Depending on the number of eligible employees, you may be able to select multiple plans, so your employees can choose the plan that`s right for them.
Predictable cost sharing and out-of-pocket maximums make it easier for employees to manage their health care spending and give them financial peace of mind. And you’ll appreciate the variety of copayment and coinsurance options.
- Consistent, predictable costs
- Lower copays with no deductible
- No claim forms for employees to manage when receiving care at Kaiser Permanente facilities
You’ll get more options at an affordable cost. With the addition of an employee out-of-pocket cost, monthly payments are lower than for traditional HMO plans, so you’ll be able to reduce premiums while still maintaining quality care and access to our physicians for your employees.
- Lower premiums than traditional HMO plans
- Wide range of deductible amounts
- Can be paired with a health savings account (HSA) or health reimbursement arrangement (HRA)
HRA and HSA-Qualified Plans
These plans offer lower premiums than other plan types, plus tax savings. With our HSA-qualified deductible plans and deductible plans with HRA, your employees will have more control over their health care dollars, helpful online decision-support tools, and the same high-value access to services as members of our traditional HMO plans.
- Tax-free funds can be used to pay for care
- HRAs give you the most flexibility
- HSAs give more control to employees
Deductible HMO with HRA Plans
These plans pair the affordability of a traditional deductible HMO with the tax benefits of an HRA to offer employees more control over their health care spending, online decision support tools, and preventive services, including routine physicals.
- Lower premiums than traditional HMO plans
- Funds are tax-free for employees; tax-deductible for employers
- Employees receive tax-free benefits for eligible out-of-pocket expenses
With our PPO plans, your employees who live or work outside of Kaiser Permanente’s service areas or wish to maintain care with an outside doctor get referral-free access to contracted PHCS Network physicians or any other licensed provider of their choice.
- Referral-free access to any physician
- Comprehensive coverage in or out of our service areas
- Single-carrier administration
Our point-of-service (POS) plans combine a traditional Kaiser Permanente HMO plan with our PPO to offer the most comprehensive options within our service areas. Three levels of coverage let members choose from Kaiser Permanente providers and facilities, PHCS Network physicians, or any other licensed provider.
- Combines cost savings and flexibility
- Lower costs for more limited choice
- Ability to go out of network when needed
Please call 1-877-686-5433 to speak with a licensed broker. Or email to info@insurafy.com
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