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Individual and Group Health Insurance

Benefit Agents is a privately owned agency focused on providing a broad array of services related to health insurance. We have employee benefit and insurance expertise for close to four decades. Located in San Francisco, California we focus on providing group and individual clients direct access to every insurance carrier. We are licensed and contracted with all of the major medical, dental, vision, life, disability and long term care providers to assist individuals and businesses on their behalf. We provide small businesses access to a consortium carrier – California Choice; in addition to California’s Health Benefit Exchange – Covered California. As health insurance experts, Benefit Agents focus is to provide the most competitive individual and employee benefit plans in California. We will provide you with a comparison between Covered California SHOP, California Choice and direct carrier rates. Benefit Agents will let you know if you are eligible for any government subsidies, saving you time and ensuring your eligibility. Call or contact us for a consultation today, as our service is provided without a fee.

Covered CA Small Business Health Insurance Tips  

Barack Obama Speech on the Affordable Health Care Act in California  

Recent News

Common Summary Plan Description (SPD) Mistakes

Subject to ERISA (Employee Retirement Income Security Act) the SPD (Summary Plan Description) is one of the most important documents that participants under a health benefit plan must receive.  The Department of Labor has increased its company audits, and more often than not employers are failing to provide their employees an SPD.   Some may consider the information distributed by their insurance carrier as sufficient evidence of coverage and benefits to satisfy their SPD distribution requirement.  Unfortunately, this is not the case, and the responsibility lies solely in the lap of the plans administrator (the employer that sponsors the group plan).   Every employer that sponsors a group health plan must comply with this important ERISA requirement, or they run the risk of facing a hefty fine.  Penalties of up to $110/day per participant or beneficiary for failing to provide an SPD or plan document within 30 days of receiving a request.  The penalty accrues daily from the inception of the policy, not from the date of notification to furnish.   It is considered a best practice to distribute the SPD to employees and maintain proper records that each beneficiary has in fact acknowledged receipt.  This can be accomplished by employing an online administration system that can track and organize specific notices, and ensure compliance under ERISA.   To learn more about how we can assist your company reduce its risk of an audit, and eliminate the risk of arbitrary penalties -please contact us via telephone or...

2016 Covered CA Open Enrollment

It’s almost that time of year again.  Open Enrollment begins November 1st, 2015 and continues through January 31st, 2016. Individuals that are currently enrolled and wish to continue coverage without any changes can simply continue to pay as billed. No further action is necessary. Beginning October 12th, individuals can make changes to their existing application and shop for new plans.  Any changes made will not be transmitted to the carriers until Novemeber 1st. Submissions from November 1st through December 15th will reflect a January 1st start date. Submissions from December 16th through January 15th will reflect a February 1st start date. Submissions from January 16th through January 31st will reflect a March 1st start...

ACA Reporting Requirements

Applicable Large Employers (ALEs) must report information to the IRS regarding the health care coverage offered to full-time employees and full-time equivalent employees (FT/FTE). Once you’ve collected all the necessary information from your workforce, you must complete the three documents required for ACA compliance: the 1094-C, 1095-C, and the Written Statement to each employee. Form 1094-C Employer Transmittal Accounts for each of the following, per 2015 calendar month: Full-time employees Total headcount Whether Minimum Essential Coverage was offered Whether an applicable 4980H “Safe Harbor” was used Deadline for documents to be mailed: February 29, 2016 Deadline for document to be transmitted digitally: March 21, 2016 Form 1095-C Employee Statement Accounts for each of the following, per 2015 calendar month: Proof of offer of coverage (with code) Employee’s share of the lowest cost monthly premium Whether an applicable 4980H “Safe Harbor” was used Deadline for documents to be mailed: February 29, 2016 Deadline for document to be transmitted digitally: March 21, 2016 Written Statement of Each Covered Employee The employer’s name, address, and contact information The information for the employee on the return being filed Deadline for Statement Sent to Employee: January 31,...