You will find aid societies on the theme of health insurance
Small Business owners have a powerful new ally in the negotiating group health insurance prices. And their colleagues have already won another important benefit: the domestic coverage.
The Pacific Business Group on Health, San Francisco, that the company negotiates HMO premiums for some of the largest California, today to a similar offer for a group insurance for small businesses in California .
The new national coverage is one of the partners benefits of the offer is now PBGH by the plan, which is open to every two California companies to 50 employees.
Starting today, this small “business plan”, formerly known as the Law on Health Insurance Plan of California, rechristened Pacific advantage of health, or PacAdvantage. But the idea remains the same: aggregation of thousands of small businesses in a cooperative buying, in order to be able to negotiate such phrases as those of larger groups in California.
PBGH purchase of this small group business, with the cry, one of the nations hardest of the health of collective bargaining agents. Over the past ten years, it has forced HMOs to lower rates for health insurance Bay Area groups such as PG & E, Chevron and Wells Fargo.
Although PacAdvantage is a new name, small business insurance program has a history. Founded in 1993, followed by a government agency on behalf of risk management Medical Insurance Board - MR.MIB for short - The plan currently offers to some 150000 employees, spouses and small enterprises by 8000 federal state .
During recent years has been MR.MIB looking for a private institution, to run the program, non-profit PBGH won by a bidding process.
Now PBGH is a gearbox, the promotion of small businesses, participation in the insurance group Co-op. Today, fewer than 5 percent of companies participating California, according to marketing director PBGH Chuck Kiskaden.
Rebranding product is a part of abandoning the word, a new affordable option for small employers,’’said Kiskaden.
The new name and the hotel have not changed the basics of the plan. To participate, a small company, the offer of insurance must be at least 70 percent of its employees and pay at least 50 percent of their premiums. Once the companies in the group agrees to their employees can be of any of the 15 HMOs - including HealthNet, the emperor and Aetna - have agreed, group rates.
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