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California Kaiser Small Group Health Insurance

There are thousands of small group insurance agencies out there that can help you get a group or individual health insurance plan. The question becomes do I go directly to an insurance carrier, i.e. Blue Cross or Kaiser small group insurance or do I work with an Independent Insurance Agency. There are several pros and cons of working with an Independent Insurance Agency.

There are very little cons in working with an Independent Insurance Agency; however, there can be a few compared to an agency like Kaiser small group insurance. An agency works with several providers, which means they must stay up-to-date on more plans. An agency may not be the first to know about any new plans or provisions going on within the specific provider. A good agency, however, such as Prevot and Associates, will stay current with the carriers they represent and understand all changes and new plans as they are rolled out.

The pros of working with an Independent Insurance Agency far exceed the cons. The keyword is Independent. Independent means, for the most part of it, unbiased. If you go directly to Blue Cross, they will sell you a Blue Cross health insurance plan. If you go to Kaiser, they will sell you a Kaiser small group insurance plan. If you work with an Independent Insurance Agency, they can work with you to help you first strategize what the best carrier is (i.e. Blue Cross, Aetna, Kaiser small group insurance, Blue Shield, etc.) for your situation and then help you find the best plan within.

Most Agencies should not charge you a commission. The agency is paid by the carrier, e.g. Kaiser small group insurance, who you decided to go with. It does not cost anything additional for a consumer to go through an agency versus the carrier direct. The carrier is paying the agency to take care of you which means the agent should be bending over backwards to make sure you stay happy so you will renew moving forward.

Health insurance costs less for groups than for individuals because insurance companies offer better rates when they know they have a guaranteed group of clients. But if you aren't employed by a large corporation, you can still get a cheap rate by searching for a Kaiser small group insurance policy. You'll end up paying more than you would for a policy through a large corporation, but less than you would for an individual policy.

A small group is any group or business with one to 50 members. Note that a group does not have to be a business. Any organization, club, bank, etc. can offer a small-group health insurance policy to its members. For example, alumni associations, fraternal organizations, and service sororities often offer group policies to members. The organization usually doesn't pay part of the premium as an employer would, but your costs would still be less than with an individual policy and if you decide to go with a Kaiser small group insurance policy. If you belong to any groups, it can be well worth your time to find out if any of them offer insurance benefits.

Prevot & Associates Insurance Services

Agency License #: 0G63216
Located in Los Altos, CA and San Diego, CA. - Licensed in Arizona, California, Nevada, Pennsylvania and Texas