California Small Business Licenses
california small business licenses
Common Pitfalls Employers Face When Choosing Group Health Insurance in California
Offering Small Group health insurance plans in California to your employees can include some pitfalls as you can imagine when dealing with something so valuable and multi faceted. As we point out some of the hurdles Employers often face we are happy to show you creative ways to solve the issues.
Choosing The Right California Health Insurance Carrier
Choosing the wrong company to do business with can be a disaster. Make sure your carrier has a strong AM Best rating, has posted their insurance license number on their website, and has current Provider contracts with your doctors, medical groups, and hospitals of preference. The insurance industry can attract fraudulent businesses because there is so much money at stake. Make sure you go with a leading California health insurance carrier and not some fly by night operation with a deal too good to be true.
Information Overload
You will quickly discover one of the biggest favors you can do for yourself and your employees is to narrow the options to the best available and provide highlighted information for comparison, plan selection, and enrollment . The subject often confuses your employees quickly which makes them anxious and frustrated. We will assist you in providing condensed information which contains only the specifics your employees will need to make choices crucial to their health care and pocketbook.
Plan Choice
State of California regulation AB 1672 requires the regulated California health insurance carrier to offer qualifying Small Businesses coverage, and they also must offer all the plans marketed to all business. In other words they can’t hide any plans from you. Once qualified for coverage the plan choice can be tricky. A single plan is not going to meet the needs of all your employees. We suggest you offer more than one plan choice but not too many. Less is more. Most commonly an HMO and a PPO plan to make sure low out of pocket on expenses and flexibility of doctor choices are available. Getting the employees to agree on the right plan for everyone is not always easy, but with a little flexibility any group can be satisfied.
Employee Participation
As discussed in our overview on employee participation you may have a problem getting enough employees to participate in the group insurance plan you are offering. This can be a tricky one to solve as it’s almost always a matter of dollars contributed from you, the Employer. The obvious fix is of course to offer to pay a greater amount of employee premiums. More creatively understand part of the problem is that historically your employees may not have had to pay a percentage of their premiums. As costs have risen year after year and Employers split the premium costs with employees there is an adjustment period where your employees realize that health insurance is not free.
In offering your benefits package to your employees there will be some hurdles, but utilizing an experienced Group health agent can clear up the confusion and jump the hurdles as they arise.
About the Author
Dennis Jarvis is a licensed
California group health insurance
broker with extensive knowledge of the Small Group health market in California.
Seller’s Permit/business license?
I am looking to start a small business but I would like to first start off selling things at the flea market by purchasing wholesale and reselling them. I know I need a ellers permit to do this in California, but I wanted to find out if I am required to obtain a business license first or can I just get the sellers permit. Thanks!
~~You have to a business name and address prior to applying for a sellers permit. I would get your name and then pull the business license. The license is not as important to them as the name, as then you would have to request a name change on your permit if you don’t get the one you want to use.
If you use your own name and home address, then you are fine. If you are going to use a made up name, then file for a DBA through your county hall of records. Then you can get your sellers permit.
You need to get the license asap though. If you start transacting business, I think they give you 30 days and then you get fines for not obtaining it sooner.
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