Small Group Health Plans

Small Group Health plans offer a variety of different options. From guaranteed issuance
of coverage for all employees to different choices for each employee. So many options to
choose from especially when considering the individual needs of an employee and his or her
family.

You not only have the option of giving your employees different choices but also among the
insurance carriers. California Choice will allow you to select among Kaiser and Blue Shield as
options for your employees.

Many options exist to compare health plans within the small group health community. Let us
lend our expertise to your decision making process. We try and give you the cost benefits of
each particular plan including coverage vs. price along with the flexibility of adapting in the future.

Health Insurance for the Self Employed

Health Insurance for the Self Employed doesn't have to quite as complicated as it may seem. Meeting the guidelines as a corporation or partnership or as a Sole Proprietor is just a matter of meeting a certain
percentage of enrollment.

We can easily help you and advise on whether you qualify or what you need to do to meet guidelines. It is what we do and we work with brokerages who process the paperwork for no additional costs. Our fees
are inclusive in the health premiums you pay so our services are free.

Rest assured..rates are firm and not to be found lower elsewhere. We are a full service health brokerage
and have our clients best interests at heart. We look forward to working with you.

We serve the entire state of California.

Health Savings Accounts

Health Savings Accounts allow you to make pre-tax contributions similar to an IRA
contribution. You then can defer the potential gains in the savings account or utilize for
qualified medical expenses.

This can be a good health insurance choice for individuals who are healthy or can absorb a
higher deductible and need a tax break on taxable income. We can refer health savings account
providers and advise on the high deductible health plans.

As with any plan there are tradeoffs between higher deductibles and potentially lower premiums. We will do our best to advise on these issues.

Whether in San Diego or any California city we can provide the service and expertise you deserve.

Choose high deductible health insurance plans

Many people are reluctant to choose a high deductible fearing its too much money out of pocket
for a major medical issue. Are you better off with a lower deductible. Lets look at some tradeoffs.

A. How much money extra money are you paying monthly for the lower deductible. Calculate that
expense and add onto the lower deductible.

B. Factor in the copay percentage that is paid before you receive any reimbursement.

C. The policy period will start again each year so look at the cost/benefit analysis in the long run.

D. Realize you have to go over the deductible/copay % before you receive any reimbursement.

You might be better off taking the higher deductible. The insurance carriers do try and entice you
to choose that option and it may make financial sense.

Health for thought.

Common Sense Health Insurance Reform

Here is an idea for common sense health reform. Guarantee issuance of coverage for every american
regardless of health. Every citizen would have a high deductible major medical plan issued by a
private health insurance company or through a government sponsored enterprise for competitive
purposes.

Allow individuals to choose the amount of coverage so depending on your financial net worth you
choose limits that are pertinent. Mandate that all individuals either have purchased coverage or pay
a fine. If individuals have serious medical issues then allow grants to be offered. Give private companies the option to approve or deny coverage for supplemental or discount plans.

Minimize the effect of the insurance carrier and get people back to indemnity plans and focused on the cost of health care.