HealthInsuranceEZquotes.com
in an online insurance product by
MJC Employee Benefits and Insurance
Inc. MJC
is an independent Bay
Area insurance broker specializing in Employee Health Insurance
(medical, dental, vision, Life, LTD) for small groups (under 50 employees)
and health insurance for individuals/families. Whether you are an
individual/family, a brand new company, or a multi-state employer, we can
help you find the health insurance that is right you or your employees.
Our expert staff will assist you in all phases of the purchasing process.
We have been serving the Bay Area Employee Health Insurance needs of
individuals, families and businesses in the SF Bay Area and Northern
California for over eighteen (18) years.
We are committed
to providing you with service beyond your expectation!
We are contracted with all the major health insurance carriers. We have
the experience, expertise and objectivity to help you successfully
navigate through the confusing array of carriers, plans and regulations in
today’s marketplace.
Our customer service philosophy is simple: listen to your needs,
understand your concerns, and then make meaningful recommendations
tailored to fit your situation.
We are committed to providing service beyond your expectation.
INSURANCE REGULATIONS AND RESOURCES
COBRA – Employers who have 20 or more employees and provide an
employee health plan (whether insured or self-insured) are required by
federal law to offer identical coverage to covered employees or qualified
beneficiaries if coverage is lost due to any of the following qualifying
events: (a) employee’s death; (b) voluntary or involuntary termination or
reduction of hours; (c) divorce or separation; (e) a dependent child
ceasing to be a dependent under applicable plan provisions; (f) the
employer’s filing for a Chapter 11 bankruptcy petition. Qualified
beneficiaries must have the option of choosing either/or medical benefits
(core coverage) and vision and dental (non-core coverage) and have 60 days
from the qualifying event to elect coverage. Coverage available under
COBRA can be as long as 36 month, but in any event will not be less than
18 months. Qualified beneficiaries are required to make timely payment for
coverage.
CAL-COBRA – Employers who have 2 to 19 employees and provide an
employee health plan (whether insured or self insured) are required by
state law to offer identical coverage to covered employees or qualified
beneficiaries if coverage is lost due to a qualifying event (essentially
the same as those for COBRA). Qualified beneficiaries must have the option
of choosing either/or medical benefits and vision and dental and have 60
days from the qualifying event to elect coverage. Qualified beneficiaries
are required to make timely payment for coverage. Unlike COBRA, Health
Plans (Insurers) have primary responsibility administering CAL-COBRA.
FMLA –The Family and Medical Leave Act 1993 (FMLA) pertains to
Employers with 50 or more employees and provides “eligible” employees; (a)
the right to take unpaid leave, or paid leave if it has been earned, for a
period of up to 12 workweeks in any 12 months because of the birth of a
child or the placement of a child for adoption or foster care, the
employee is needed to care for a family member (child, spouse or parent)
with a serious health condition, or the employee’s own serious health
condition makes the employee unable to do his or her job; (b) An employee
on FLMA leave is also entitled to have health benefits maintained while on
leave; (c) An employee generally has a right to return to the same
position or an equivalent position with equivalent pay, benefits and
working conditions at the conclusion of the leave; (d) the employer has a
right to 30 days advance notice for the employee where practicable.
HIPAA- The Health Insurance Portability and Accountability Act (HIPAA)
makes it possible for people to get coverage when they have past or
present medical problems, and it helps people maintain the coverage they
need when they change insurance or jobs. Basically, medical coverage is
guaranteed to an eligible employee if he/she has had a minimum of 18
months of continuous health coverage most recently under an
employer-sponsored group health plan, has exhausted COBRA or CAL-COBRA,
and has had coverage within the last 62 days.
For more information on COBRA, FMLA and HIPPA contact the U.S. Department
of Labor’s Pension and Welfare Benefits Administration in San Francisco @
866-4-USA-DOL or www.dol.gov or www.insurance.ca.gov
AIM – Access for Infants and Mothers (AIM) provides low-cost health
insurance to pregnant women and their infants who are not eligible for no
cost Medi-Cal or health insurance. The AIM Program is part of California’s
efforts to increase health care for mothers and their infants. Eligibility
is determined by family income every year. For more information contact
Healthcare Alternatives @ 1-800-433-2611 or www.mrmip.ca.gov 916-324-4695
HEALTHY FAMILIES PROGRAM – The Healthy Families Program provides
low-cost medical, dental and vision insurance for children ages 1 to 19
(Adults July 2002?) statewide whose parents hold minimum-wage or
low-paying jobs. These working families make too much money to qualify for
Medi-Cal, but typically do not get insurance through employers and cannot
afford private insurance premiums.
For more information contact Healthy Families @ 1-800-880-5305 or
www.healthyfamilies.ca.gov/.
MRMIP (Major Risk Medical Insurance Plan)
www.mrmib.ca.gov 916-324-4695.
CA Department of Social Services
800-925-5253 or 916-327-1400 (24 hr. hotline in English and Spanish
offering general information about Medi-Cal, Child Support, SSI, MediCare,
SS Retirement, Disability, CalWorks, Cash Assistance, Food Stamps,
Protection Services, CMSP, MISP, Health Families, Children Services etc.)
healthinsuranceEZquotes.com is a comprehensive website for your individual and small
group health insurance needs. Offering instant on-line insurance quotes and
applications from major and regional insurance carriers. |
