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Georgia Group

The HSA Plan B for Georgia Businesses

A customer recently asked about the Kaiser Georgia HSA Plan B. She asked, “Can you give me more information regarding the Kaiser Permanente HSA B Plan for small business? Also, please explain the difference between the HSA and HMO health insurance plans.”

Startup companies may find the HSA Plan B to suite them well. This plan offers affordable monthly premiums and a low out of pocket maximum. The key difference between the HSA and HMO Plans is how the deductible is structured.  Under the HMO Plan, doctor visits and medications are covered at the get-go.  With the HSA Plan, you have to pay full price for all Kaiser health care (services such as physician visits, prescription drugs, etc.) before your coverage kicks in.  For more information and plan benefits, click HSA Plan B.

Posted: September 22nd, 2008 under Georgia Group.
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Suggestions for Choosing a Kaiser Georgia Group Health Insurance Plan

First off, if your small business is located in the Atlanta, Georgia area, Kaiser Permanente is the best bet for you. Switch to Kaiser and you WILL save money! Get Kaiser Georgia Group Health Insurance Quotes, and consider whether your are looking for Multi-Choice or HMO coverage and whether your want cheap, middle-of-the-road or rich coverage. When choosing a plan for your small business, you have two main questions to ask yourself:

 

1.      Multi-Choice or HMO?

 

If you want the flexibility to use doctors outside of Kaiser Permanente, the Multi-Choice Plans are best for you. 66% of Kaiser GA groups are on multi-choice plans. This is a great way to go because you can try out the HMO coverage, visit doctors in the PHCS Network, and you can receive care from Out-of-Network providers. The choice is there and rates are very competitive. On the other hand, Kaiser’s HMO plans offer great coverage at some of the lowest group health insurance prices available in

Georgia. Some groups decide to try the Multi-Choice Plans first so they can check out Kaiser Permanente’s HMO benefits while having the freedom to use other providers. Often after a year, these groups find they are very happy with the HMO care and end up switching to a straight HMO Plan to save a little more on premiums. Of those on Multi-Choice Plans, 88-90% end up utilizing the HMO coverage.

2.      Cheap, Middle of the Road or Rich Coverage?

Now, that you’ve decided whether you want HMO or Multi-Choice coverage, the next step is to decide how rich of coverage you want. Obviously, the richer the coverage the higher the monthly premiums. What fits your business model? If you’re a starting business with a lower budget, you may want to start of with one of the less-expensive plans. If you have high-end employees that you have to wine and dine to make them stick around, you’ll definitely want a richer plan. Below are our recommendations depending on whether you want a cheap plan, middle-of-the-road coverage, or richer benefits:

Level of Coverage                          HMO                             Multi-Choice

I’m going cheap:                       HMO Plan H                    Multi-Choice Plan I

Middle-of-the-Road:             HMO Plan D or E        Multi-Choice Max Plans D or E           

Give me the rich plan:                HMO Plan A                   Multi-Choice Plan B

 

Posted: June 20th, 2008 under Georgia Group.
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5 Top Georgia Group Plans Are All Multi-Choice

Kaiser Permanente Georgia has declared that their multi-choice plans are the most popular of their small group plan offerings. They have taken the top five slots as far as most enrolled members. 66% of all Kaiser Georgia group health insurance plan members are enrolled in one of the 15 Multi-Choice Plans. Small business owners in the Atlanta, Georgia area want health insurance coverage with some flexibility. These plans have a three-tiered pricing system which allows enrollees to receive medical care from Kaiser Permanente facilities, participating PHCS Network Providers, and non-participating providers. In order of popularity, the top five plans are as follows:

  1. Multi-Choice Max Plan E
  2. Multi-Choice Max Plan D
  3. Multi-Choice Max Plan B
  4. Multi-Choice Plan B
  5. Multi-Choice Max Plan  I 

Posted: June 10th, 2008 under Georgia Group.
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