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The Ultimate Guide to Choosing Your Group Health Plan

Updated: Jun 9, 2023

Choosing a group health plan for your California-based employees doesn't have to be a daunting task.

At EPIA Insurance Agency, we understand the importance of finding the perfect plan that meets your needs and budget.

In this comprehensive guide, we'll walk you through the process of selecting a group health plan, from understanding the different types of plans to comparing their features and getting a free quote.

What is a Group Health Plan?

A group health plan is a type of health insurance offered by employers or unions to their employees or members. These plans generally provide lower premiums compared to individual health insurance and often offer more comprehensive coverage.

Types of Group Health Plans

There are two primary types of group health plans:

  1. Employer-sponsored plans: Offered by employers to their employees.

  2. Union-sponsored plans: Offered by unions to their members.

How to Choose a Group Health Plan

When selecting a group health plan, consider the following factors:

  1. Your employees' needs: Assess the coverage requirements of your employees, including any pre-existing conditions.

  2. Your budget: Determine the amount you can afford to allocate for health insurance premiums each month.

  3. Plan benefits: Evaluate the coverage offered by each plan and ensure they include the preferred doctors and hospitals.

  4. Plan features: Consider additional features like mobile apps or telehealth services.

Comparing Group Health Plans

After identifying a few potential plans, it's time to compare them based on the following criteria:

  1. Premiums: Determine the monthly cost for each plan.

  2. Deductibles: Understand the out-of-pocket amount employees must pay before the insurance company starts covering their medical expenses.

  3. Coinsurance: Determine the percentage of medical expenses employees are responsible for after meeting their deductible.

  4. Co-payments: Assess the cost of each doctor's visit or prescription drug for employees.

  5. Out-of-pocket maximum: Evaluate the total amount employees would have to pay for medical expenses within a year.

Getting a Free Quote

Once you've shortlisted potential plans, it's advisable to obtain a free quote from the insurance company. This will help you estimate the overall cost of each plan.

To get a free quote, subscribe or call us at +16269121988.

Our team will provide you with personalized quotes tailored to your business needs.

Benefits of Choosing EPIA Insurance Agency

When selecting EPIA Insurance Agency for your group health insurance needs, you'll enjoy several benefits:

  1. Wide plan variety: We offer a diverse range of plans, ensuring you can find the perfect fit for your employees.

  2. Experienced agents: Our knowledgeable agents will guide you through the selection process and help you understand your options.

  3. Competitive rates and discounts: We offer competitive pricing and exclusive discounts, maximizing the value you receive.

  4. Seamless enrollment process: Our streamlined enrollment process ensures your employees receive the coverage they need without the hassle.

Contact EPIA Insurance Agency today to learn more about our group health insurance plans and discover how we can take care of your employees' well-being.

Choosing the right group health plan for your California employees is crucial for their well-being and satisfaction.

With EPIA Insurance Agency by your side, you can navigate this process effortlessly.

Understand your needs, compare plans diligently, and get a free quote from us to make an informed decision. Invest in your employees' health today and experience the benefits of comprehensive group health insurance coverage.

Get in touch with EPIA Insurance Agency now at +16269121988

subscribe for a free quote.


EPIA inc. is a private Insurance Agency with no ties with legal entities. The information contained in this article is based on information provided by the Medicare Official Website.

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