UnitedHealthcare – California
About UnitedHealthcare
According to Fortune magazine, UHC is the 5th largest corporation in the United States… not the 5th largest insurance company, the 5th largest company, period. Only companies like Walmart, Apple and Exxon Mobil are larger. That’s pretty amazing. It’s a huge company that offers coverage in California and throughout the country. UnitedHealthcare has approximately $201 billion in annual revenues (that’s Billion with a “B”.) UnitedHealthcare offers group health insurance products for employer groups in all 50 states. They are a global company and also provide services in 130 countries. Other specialty products and operations include pharmacy and medical management, behavioral health services, life and health insurance and dental and vision.
UnitedHealthcare’s Strengths
Multi-state Flexibility:
UHC is a great choice if you have employees who live in different states because their guidelines are more flexible than other California medical insurance companies. For example, unlike all other insurance companies, UHC doesn’t require that at least 51% of your employees live in California.
Flexible Underwriting:
UHC considers individual coverage to be a “valid waiver” rather than a decline, which may help your company qualify as a small business. Also, UHC will enroll 1099 independent contractors who meet certain criteria. Give us a call to learn more (800)746-0045.
All Networks Available:
UHC allows small businesses to offer all provider networks at the same time – big, medium or small networks – employees can enroll on any plan, any metal tier and without regard to the provider network. Not all insurance companies offer this level of flexibility.
Small Group Health Insurance and UnitedHealthcare California
If you are considering employer-sponsored medical insurance in California for your employees then UnitedHealthcare may be a good choice. UHC has an extensive network of PPO and HMO doctors and hospitals. UnitedHealthcare small business plans are very competitively priced. You may find that with UnitedHealthcare you are able to obtain the most benefits (low cost doctor’s office visit charge, low payment for prescription medicine or co-insurance while in the hospital) for a low monthly payment or “premium.” We can help you set everything up. Just give us a call at 800-746-0045 to obtain a United Healthcare quote.
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United Healthcare Small Business Health Insurance FAQ
What is UnitedHealth commercial insurance?
UnitedHealthCare is the second largest health insurance company in the United States, behind CVS Aetna. UHC offers medical insurance nation-wide and is very competitive in the California small group market that covers companies with 1-100 employees. United Health small business offers a wide range of plans including PPOs, HMOs and HSA-compatible plans.
How do I get a quote for UnitedHealth insurance for my business?
The easiest way to get a quote for UnitedHealthCare (UHC) is to contact us, at BenefitsCafe.com, 800-746-0045. We will need a census of your employees and dependents which lists each person’s date of birth and home zip code. We’ll also need information on the location of your business because the rates are based on the location of the business, the ages of the employees and family members, and the type of benefits in the plans you want. We can help you figure out the best plans for your employees and your budget. We can also help you figure out how to share the cost of medical insurance with your employees. Best of all, there is no charge for our services. You pay the exact same rate if we help you out or if sales people in the behemoth, UHC, help you. We’re sure that we will give you more personalized service and we will also help you throughout the life of your plan. Check out the concierge services that Benefits Cafe offers clients at no additional charge.
How many employees do you need for UnitedHealth small business health insurance?
To qualify at a small business for group medical insurance in California, an employer needs a minimum of 1 non-owner W-2 employees and not more than 100 employees. The non-owner W2 employee must work a minimum of 30 hours per week on average. The W-2 employee can waive coverage and not enroll if they have other coverage. Still, you need at least one.
Can an insurance broker advise me on UnitedHealth for my business?
Yes, a broker/agent can advise you on setting up a group medical insurance plan with UnitedHealth Care. In the small group market in California, which includes companies with 1 to 100 employees, there is no additional cost for a broker/agent to assist you. You pay identical rates for coverage with and without the assistance of a broker. You should find an agent or broker who knows small group medical insurance very well, because there are many nuances to coverage that many agents and brokers who don’t do this on a regular basis will miss. For example, UnitedHealthCare offers medical insurance plans that have identical benefits however some plans are called Select Plus, Core, Doctors Plan, Signature, Alliance, and Harmony. If your broker doesn’t know what these terms mean, you could be in for a big surprise when you use your plan and discover that very few doctors and hospitals accept the coverage. We think that we, at BenefitsCafe.com, offer excellent advice and assistance. Just give us a call at 800-746-0045 and we can help you understand and enroll with UnitedHealth.
Can I let employees choose the best United Healthcare small business insurance plans?
Yes, you can let employees choose the United Healthcare small business plan that best fits their needs. UnitedHealth offers over 60 different plans including Platinum, Gold, Silver, Bronze, PPO, HMO, and HSA-compatible plans, so you’ll want to narrow the choices for your employees. A knowledgeable benefits broker, such as the staff at BenefitsCafe.com, can help you select the best plans for your employees. You may want to “sponsor” or pay for a specific plan and have the employees “buy-up” to better benefit plans if they want. We can help you set this up. Call us at 800-746-0045.
Is it better to use an independent insurance broker for the best UnitedHealth small business insurance deals?
Independent insurance brokers who understand California employer-sponsored medical insurance will save you a lot of time and a lot of money. UnitedHealth Care pays the brokers, so you will never write a check to an agent. The rates are identical if you go through an agent or if you go directly with the inside salespeople at UHC. The real value of using independent brokers is that they can help solve problems that may occur throughout the life of your plan. So, for example, if UHC mysteriously cancels your company’s plan because of a “glitch” your broker can help you get your coverage reinstated. This actually happened to a few of our clients, and we have been able to correct the insurance company errors quickly. In our biased opinion, we think that the staff at Benefits Cafe offers the best service, knowledge, and kindness. Give us a call at (800)746-0045 to obtain a United Healthcare quote.
(800) 746-0045
