Group Health Insurance
For enemployer of 100 or fewer employees you may want to search the exchanges for coverage for your company.
If you do and the numbers are right (number of FTE and Average Wages) you could be eligible for a tax credit.
You can offer coverage in one of several ways by using the exchange. This gives the small employer much more flexibility in plan offerings to employees - The Employees have more say in their own benefits.
One Plan of coverage only (Company Z - Bronze Level)
One Level of Coverage among several Comapanies (Silver Level - several companies to choose)
One Company all Levels of Coverage (Company X - Gold/Silver/Bronze levels)
Many Companies with Many Levels of Coverage (All Companies - All Levels)
You set up the Business Profile first, demographics employer contribution levels, etc. - then provide a link for your employees to select coverage.
Small Business - health care law information - Information you need to know
Many insurance companies offer a link to the exchange from their websites - But Why do it that way when you can go straight to the exchange yourself and see the rates from all of the companies side by side. Going to a company website is not going to give you that possiblity to see all the rates.
There are Medaled tiers of Coverage .................................................................................................................................. Platinum / Gold / Silver / Bronze / Catastrophic
When you enroll be sure to tell them that Greg Giles sent you and provide them with my Producer Number
HealthCare.gov - (Oregon, Iowa, Nebraska) Greg Giles 6247427 Select the Small Business Tab
Washington Exchange - (Washington) Greg Giles 263180
California Exchange - (California) Greg Giles OI99792
Enrollment for a calendar Year should be done by November 30th the year before you want the coverage to begin. (enroll 11/20/15 for Coverage to begin 1/1/16)
Information about the plans of coverage
Metalic Plans of Coverage benefits % - % you Pay and % plan pays with each level of coverage
Provider Network Definitions - EPO HMO POS PPO
Make sure your doctor takes the plan you are thinking of enrolling in BEFORE you enroll - Call your doctor and ask
FTE Equivalent Calculator - helps determine if you can use SHOP on the Federal Site
Small Business Tax Credit Calculator - Will you qualify for the tax credit?
To Contact Us:
Greg Giles, CLU LUTCF RHU ......................................................................................................................................... 2613 SW Brooklane Dr - Corvallis, OR 97333 ................................................................................................................... (541) 752-0577 .......... (800) 809-1378 .......... (541) 752-0588 FAX ........................................................ medsupguy@gmail.com............gilesfinancial@msn.com
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Craig Blair ............................................................................................................................................................................. 7958 Mykala St. NE, Keizer, OR 97303
Office (503)393-2793 ........... (844)393-2793 ....................................................................................... medicareguy@outlook.com
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Derek Finken ........................................................................................................................................................................... PO BOX 366 - MIssouri Valley, IA 51555 ......................................................................................................................... (712) 642-2303 .......... (844) 786-4865 .......... (844) 786-4867 FAX ................................................................. tmedsupguy@gmail.com..........dmedsupguy@gmail.com