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Small Group Health Plans
As a California Small Business Owner, you are truly in the land of opportunity! And because of California Law AB 1672, your Small Group Health Plan can help make your success even easier.
Why is AB 1672 so important? Because qualified Small Businesses are protected in several unique ways regarding Small Group Health Coverage, including:
1) Guarantee Issue - you can not be denied coverage due to health conditions
2) Standard Pricing - you can not be charged more than +/- 10%
3) Rate Lock - initial rate & benefits are guaranteed for 12 months
4) Groups Size - as few as 2, and as many as 50, qualify as a small group
Plus, premiums are considered a business expense and may be 100% tax deductible. And IRS Code Section 125 can help you save even more by deducting premiums prior to payroll tax withholding.
It's well known that Small Group Health Plans help recruit and retain quality workers, improve overall morale and increase productivity. It can also reduce absenteeism by keeping your workers and their families healthy, helping your business grow and succeed.
LifeQuest Insurance Services specializes in Small Group Employee Benefits Plans. We proudly represent all major Small Group carriers, and can help your Small Business setup an affordable program that rewards your employees for a job well done.
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Is your Business an "Orphan Account?"
An Orphan Account an existing Small Group Account that has been forgotten or neglected by their current health insurance broker or has become a "House Account" with the carrier. Because of this, you may not be getting the the kind of attention you want or the quality of service you deserve.
If this describes your business, you can do something about it, easily and quickly! Simply by submitting a Broker of Record Change to the carrier, you can appoint LifeQuest Insurance Services as your servicing broker. It doesn't cost you anything, but it will allow us to work on your behalf with the carrier and get the kind of quality service you deserve and need.
Contact Us to discuss a Broker of Record Change
Contact us to a Request Proposal, or Employer's Enrollment Kit
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Blue Cross EmployeeElect
16 Health Plans, 12 PPO / 4 HMO
11 Dental Plans, PPO/HMO/Voluntary
2 Vision Plans, Group Life
24 Hour Workers MediComp (10% Discount)
EmployeeElect is the "Flagship" Small Group portfolio from Blue Cross.
Affordable, Flexible, and Comprehensive.
Click to view and download:
Small Group General Overview Brochure
EmployeeElect Sales Brochure
EmployeeElect Rate Guide
EmployeeElect "You Choose Summary Brochure"
Employee Application
Contact Us to Request a Proposal or Employer's Enrollment Kit
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Blue Cross EmployeeChoice
5 Popular Plans from EmployeeElect (4 PPOs and 1 HMO)
Option to Offer an HMO from another carrier, ie: Kaiser
At Least 5 must enroll in Blue Cross Plan
Five most popular plans, including one HSA qualified.
Employees enrolled in another HMO are exempt from participation calculations.
Click to view and down load:
EmployeeChoice Sales Brochure
EmployeeChoice Rate Guide
Small Group General Overview Brochure
Contact Us to Request a Proposal or Employer's Enrollment Kit
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Now, BeneFits allows you can get a quote and apply Online!
Click the BeneFits banner to launch our BeneFits Website.
BeneFits is a selection of 5 affordable plans from EmployeeElect (4 PPOs and 1 HMO) designed specifically for businesses starting group coverage for the first time, or those who are especially cost-conscious. Each plan offers progressively more benefits. One offers built-in Dental & Vision benefits. Low participation requirements, low contribution requirements.
Click to view and download:
BeneFits Sales Brochure
BeneFits "You Choose Summary Brochure"
BeneFits Rate Guide
Small Group General Overview Brochure
Contact Us to Request a Proposal or Employer's Enrollment Kit
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Blue Cross Add-On
and Stand Alone Programs
Click to view and download:
Small Group Dental, Life and Vision Brochure
Small Group BlueView Vison Brochure
Small Group POP Section 125 Brochure
24 Hour Workers MediComp Brochure
Contact Us to Request a Proposal or Employer's Enrollment Kit
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CaliforniaChoice offers 10 unique plans from 5 California carriers; Kaier Permanente, HealthNet, Blue Shield of California, Sharp Health Plan & Western Health Advantage.
Administered by California Choice Administrators, employees select from any plan offered, and employers receive only one bill. Plus, dental coverage and a discount vision plan at no additional cost!
Click to view and download:
California Choice Employer Sales Brochure
California Choice Employer Plan Comparison Guide
California Choice Optional Benefits Brochure
California Choice Employee Application
California Choice Employee Healthy Questionaire
Contact Us to Request a Proposal or Employer's Enrollment Kit
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HealthNet has made tremendous strides in the past serveral years, and is now considered one of the top Small Group carriers in California. With the largest Small Group product portfolio in California, including innovative products such as Salud con HealthNet, (the first ever Mexico cross-border plan), and Elect Open Access, (an HMO and PPO blend in one), HealthNet is a helping more California small businesses than ever before.
Click to view and download:
HealthNet Small Group Enhanced Choice Sales Brochure
HealthNet Small Group Standard Benefit Sales Brochure
HealthNet Small Group Rate Guide
HealthNet Small Group Employee Enrollment Form
HealthNet Small Group Employee Health Statement
HealthNet Small Group Employee HIPAA Authorization
HealthNet Small Group Enrollment Checklist
HealthNet Small Group Section 125 POP FlexSystem Info Sheet
HealthNet Small Group Section 125 POP FlexSystem Brochure
HealthNet Small Group "Reasons Why" Flyer
New October 1, 2006! HealthNet "Options" is here!
HealthNet Options allows another HMO carrier, (ie: Kaiser) to be maintained at the same time. With a minimum of 5 employees enrolled in Options, and 75% over-all group participation, the Options program offers groups of 5-9, 10 plan choices, and groups of 10-50, 15 plan choices.
HealthNet Options Sales Brochure
HealthNet Options Rate Guide
Contact Us to Request a Proposal or Employer's Enrollment Kit
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Kaiser Permanente has over 160 medical facilities throughout California, most with primary care, X-ray, laboratory and a pharmacy all under one roof. Kaiser Permanente is what all other managed care programs are compared to.
9 Small Groups plans, 5 copayment plans / 2 deductible plans / 2 new deductible HRA plans
7 DeltaDental Plans for 2 or more, 4 Fee-for-Service / 3 PPO
Supplemental Chiropractic Benefit for only $2 per month per employee
Multiple Plan Offering for Groups of 3 or more at no additional charge, (some limitations apply)
Click to view and download:
ZipCode Region Guide
Plan Highlights and Rate Guide for No Cal Region 1
Plan Highlights and Rate Guide for No Cal Region 2
Chiropractic Benefits and Rate Guide
Delta Dental Benefits and Rate Guide for No. Valley
Delta Dental Benefits and Rate Guide for Bay Area
Employee Application
Employee Declination
Contact Us to Request a Proposal or Employer's Enrollment Kit
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Kaiser Permanente Choice Solution is brand new for 2006. This new program mixes a broad array of plan types and choices, plus additional ancellary services not available with previous plans offerings.
7 Small Group Plans; 2 HMO Copay, 1 HMO deductible / 2 POS / 1 PPO / 1 Indemnity
Click to view and download:
Employee Enrollment Guide
Employee Enrollment Form
Employer Optional Benefits Guide
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Click logo to launch a virtual tour at Delta Dental.
DeltaDental Small Group Dental Plans for 5 to 99 full-time, permanent employees and their eligible dependents.
Classic Series: groups of 5-50
Options Series: groups 51-99.
DeltaDental Premeire Plan: Our original and most widely purchased managed fee-for-service plan offers the freedom to choose any dentist, with a cost savings inentive for choosing a DeltaDental dentist.
DeltaDental PPO Plan: A mid-priced PPO alternative offers the freedom to choose any dentist with a cost savings incentive for choosing a dentist who is a network provider.
DeltaCare Plan: Provided through Delta's affiliate PMI Dental Health Plan, DeltaCare offers affordable dental HMO coverage with a large network of participating dentists from which to choose.
Click to view and download:
DeltaDental Plan Summary and Rates with Ortho
DeltaDental Plan Summary and Rates without Ortho
EyeMed Group Vision Companion Program Brochure with Rates
Contact Us to Request a Proposal or Employer's Enrollment Kit
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Small Group Disability Plans
Disability income insurance is one of the least understood types of insurance, but also one of the most important. Many people mistakenly believe that workers who become disabled will receive disability income either through Social Security, Worker's Compensation or both.
But Social Security disability benefits are often quite restrictive and employees don't qualify for Worker's Compensation unless the disabling illness or injury happened on the job.
Employer-sponsored disability income insurance is much less restrictive and falls into two main categories. Short-term disability income insurance plans usually offer benefits that are paid for a maximum of 26 weeks, while long-term disability benefits generally continue for the length of the disability or until retirement age.
Cost can be affected by adjusting the maximum monthly benefit, benefit periods and waiting periods before benefits begin. This is another area where it's sometimes possible to allow employees to purchase additional coverage either by purchasing increased benefits under the group program or through a voluntary benefit program.
Quincy R Scherler
LifeQuest Insurance Services
Ca Life Agent Lic. # 0734096
PO Box 396, Benicia, CA 94510
707-748-4330 Office
707-748-5797 Fax
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