Marin – Insurance - Health & Employee Benefits

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100 Stony Point Road, Suite 160
Santa Rosa, CA 95401
(877) 301-2017

Serving all of Sonoma, Marin, San Francisco, Alameda and Contra Costa counties including Santa Rosa, San Rafael, Sunset District, Oakland and Concord.

All types of insurance. Brands include Guardian, Blue Cross, Blue Shield, California Choice, Health Net, Kaiser Permanente, Lincoln Financial, Met Life, Allied and Liberty Mutual
License 0F69776 | DCID7075462300
Map of these Diamond Certified companies
Cities: Belvedere, Corte Madera, Fairfax, Larkspur, Mill Valley, Novato, Ross, Sausalito, San Anselmo, San Rafael, Tiburon
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Why Trust Diamond Certified Health and Employee Benefits Insurance Firms Rated Highest in Quality?

You are the customer. If your goal is to choose a health and employee benefits insurance firm that will deliver high customer satisfaction and quality, you’ll feel confident in choosing a Diamond Certified employee benefits and health insurance company. Each has been rated Highest in Quality in the most accurate ratings process anywhere. And you’re always backed by the Diamond Certified Performance Guarantee. Here’s why the Diamond Certified ratings and certification process will help you find a top-rated employee benefit and health insurance company and is unparalleled in its accuracy, rigor and usefulness:

1) Accuracy: All research is performed by live telephone interviews that verify only real customers are surveyed, so you'll never be fooled by fake reviews.

2) Statistical Reliability: A large random sample of past customers is surveyed on an ongoing basis so the research results you see truly reflect a Diamond Certified company’s top-rated status.

3) Full Disclosure: By clicking the name of a company above you'll see the exact rating results in charts and read verbatim survey responses as well as researched articles on each qualified company.

4) Guaranteed: Your purchase is backed up with mediation and the Diamond Certified Performance Guarantee, so you can choose with confidence.

Click on the name of a Diamond Certified company above to read ratings results, researched articles and verbatim customer survey responses to help you make an informed decision.

More than 200,000 customers of local companies have been interviewed in live telephone calls, and only companies that score Highest in Quality in customer satisfaction–a 90+ on a 100 scale–as well as pass all of the credential-based ratings earn Diamond Certified. By requiring such a high score to qualify, the Diamond Certified program eliminates mediocre and poorly performing companies. Read detailed information about the ratings and certification process.

How to Choose
Health Insurance and Employee Benefit Packages Can Improve Your Employees' Productivity

Employee benefits are any perks of a job or fringe benefits provided by businesses to employees along with agreed-upon wages.

Popular employee benefits may include health care or medical insurance, group insurance, disability income protection in the event of injury or illness, retirement packages or other retirement benefits, tuition reimbursement and education funding, profit sharing, paid vacation, daycare for children and dependents, and other perks....

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Employee benefits are any perks of a job or fringe benefits provided by businesses to employees along with agreed-upon wages.

Popular employee benefits may include health care or medical insurance, group insurance, disability income protection in the event of injury or illness, retirement packages or other retirement benefits, tuition reimbursement and education funding, profit sharing, paid vacation, daycare for children and dependents, and other perks.

Why would local companies in Ross, Belvedere, Corte Madera, Tiburon, Sausalito and Fairfax and the rest of Marin County want to provide health insurance and other benefits to their employees?

Happy employees are more likely to stay in their jobs and seek promotions within the company rather than look for work elsewhere. It can also improve morale and employees' sense that their employer values them, both of which can help increase worker retention. That saves employers the expense and frustration of having to interview and hire new workers, and it keeps the best employees at your business.

Reasons to Consider Hiring Diamond Certified Health Insurance and Employee Benefits Companies
Only the best  local providers of health insurance and employee benefits in Marin County, including San Rafael, San Anselmo, Novato, Mill Valley and Larkspur and other areas, have earned the Diamond Certified award by scoring Highest in Quality in the most accurate and rigorous ratings process anywhere. So you’ll never be fooled by fake reviews, since all research is performed by live telephone interviews that authenticate only real customers are surveyed. Most companies can’t pass the test.

Local employee benefits and health insurance company customers have been interviewed in live telephone calls, and only the employee benefits and health insurance providers in Marin County that scored Highest in Quality in customer satisfaction—at least 90 on a 100 scale—and passed all of the credential-based ratings earn Diamond Certified.

By requiring such a high score to qualify, the Diamond Certified program cuts out mediocre and poorly-performing companies. If you want quality from the business health insurance provider and employee benefits company you work with, you’ll have confidence in choosing Diamond Certified companies. And you’re backed by the Diamond Certified Performance Guarantee, so you’ll feel secure in your decision.

Further Research on Local Health Insurance and Employee Benefits Providers
When you're looking for a health insurance and employee benefits provider for your business, you may be in a hurry to locate one with low prices and sign a contract. But that may not be in your best interests or those of your employees.

There are many health insurance companies that provide insurance and other employee benefits in Marin County, including Fairfax, Tiburon, San Rafael, San Anselmo, Novato, Mill Valley and Larkspur and other areas, but not all offer the same level of customer service or quality.

So it's in your best interest to take your time and research local employee benefits companies, including those that offer the comprehensive benefits and health insurance packages you may be looking for. While it’s usually best to choose a Diamond Certified company because of their Highest in Quality rating, that may not always be possible. If you’re unable to choose a Diamond Certified health insurance and employee benefits provider, you may improve your chances of finding a decent company by following the steps detailed in the helpful articles below.

Start by compiling a list of good companies, and then carefully interview and research each one to find the health insurance provider and employee benefits company that can provide the benefits packages, rates and customer service you desire.

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Know What You Want
First, Determine What You Want from Health Insurance and Employee Benefits Providers

Before taking the time to interview and vet different employee benefits providers in Marin County, spend a few minutes thinking about what you and your employees want in terms of health insurance, other employee benefits, rates, packages and customer service.

Make a list of your wants and needs. To do this, ask yourself the following questions and write down your answers:...

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Before taking the time to interview and vet different employee benefits providers in Marin County, spend a few minutes thinking about what you and your employees want in terms of health insurance, other employee benefits, rates, packages and customer service.

Make a list of your wants and needs. To do this, ask yourself the following questions and write down your answers:

  1. Do I want a Diamond Certified health insurance and employee benefits company that is rated best in quality and backed by the Diamond Certified Performance Guarantee?
  2. What is my overall goal in getting health insurance and other employee benefits for my workers? (For example, employee retention, happier employees, lower cost than existing health insurance, better health insurance and employee benefits packages than existing plans, reward good employees, etc.)
  3. What is my budget for employee benefits and health insurance coverage?
  4. What kind of health insurance and benefits packages am I looking for? (This may include comprehensive health insurance, catastrophic illness coverage, disability coverage, unemployment insurance, HSA accounts, flexible spending accounts, vision care, dental care, COBRA, retirement or 401k plans, etc.)
  5. What type of care and services do I expect from Marin County employee benefits companies in Novato, Mill Valley, San Rafael, San Anselmo, Larkspur and Corte Madera and my town?
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What to Ask on the Phone
Call Employee Benefits Providers in Marin County

Now that you know what you want from your health insurance and employee benefits company, make some phone calls and ask some of the better companies in San Rafael, Novato, Mill Valley, San Anselmo, Larkspur, Corte Madera, Tiburon, Sausalito, Fairfax, Ross and Belvedere or the city where my business is located.

Sample questions you may want to ask include the following:...

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Now that you know what you want from your health insurance and employee benefits company, make some phone calls and ask some of the better companies in San Rafael, Novato, Mill Valley, San Anselmo, Larkspur, Corte Madera, Tiburon, Sausalito, Fairfax, Ross and Belvedere or the city where my business is located.

Sample questions you may want to ask include the following:

  1. Has your health insurance company earned and maintained a Diamond Certified rating?
  2. What type of health insurance packages do you offer? Do they include vision care, dental care, catastrophic medical problems, and HSA or FSA funds?
  3. Do you offer other employee benefits such as long-term retirement and 401k plans, unemployment insurance, supplemental insurance, etc.
  4. Do you offer group discounts for companies that purchase several packages at once?
  5. Do you offer the plans and service, or are you a broker that  sells plans outsourced by other insurance companies?
  6. If I or my employees have questions about their insurance plans, employee benefit plans or coverage, will we call you for assistance, or will we have to deal with another company?
  7. Do you serve companies in Bel Marin Keys, Marin City, Santa Venetia, Tamapais Valley, Inverness, Dillon Beach, Bolinas, San Quentin or other small towns? Or are these locations too far from your home office?
  8. What is the average budget range for your plans?
  9. How long has your health insurance and employee benefits company been serving Marin County?
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What to Ask in Person
Meet with Marin County Employee Benefits Providers in Person to Talk About the Health Insurance and Benefits Packages You Need

Once you've found a few good Marin County health insurance and employee benefits providers you like that can offer the services and packages you need, you will want to meet with the standouts in person and ask a few more questions to help you narrow the field further.

Questions you may want to ask include the following. Add to these sample questions ones that specifically address your needs and wants....

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Once you've found a few good Marin County health insurance and employee benefits providers you like that can offer the services and packages you need, you will want to meet with the standouts in person and ask a few more questions to help you narrow the field further.

Questions you may want to ask include the following. Add to these sample questions ones that specifically address your needs and wants.

  1. What plans do you recommend to meet my needs and budget and those of my employees?
  2. Do you coordinate with other Marin County insurance companies and employee benefits providers in San Rafael, San Anselmo, Novato, Mill Valley and Larkspur and other aress if you can't offer all of the services and plans we need?
  3. Will we deal with you throughout the process, or will you hand off our service to another person within your company?
  4. How long will it take to get coverage for my employees once we sign a contract with your company?
  5. What information do you need from me and my employees to get the process started?
  6. What else should I know about your company that can help me make the best decision for me and my employees?
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What to Ask References
Learn About Marin County Health Insurance and Employee Benefits Companies from Their Former and Existing Customers

It’s best to choose among Diamond Certified health insurance and employee benefits providers because all certified companies have passed an in-depth ratings process that most other companies can’t pass. If you want quality from an employee benefits provider in Marin County, you can have confidence choosing a Diamond Certified company....

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It’s best to choose among Diamond Certified health insurance and employee benefits providers because all certified companies have passed an in-depth ratings process that most other companies can’t pass. If you want quality from an employee benefits provider in Marin County, you can have confidence choosing a Diamond Certified company. That's because Diamond Certified reports are available online for all certified companies, and you’ll never be fooled by fake reviews since all research is performed in live telephone interviews of actual customers.

If you can’t find Diamond Certified health insurance benefit providers within reach, you’ll need to do some research on your own. In that case, it’s wise to call references provided by the companies you're considering working with. You should know, however, that references provided to you by Marin County employee benefits companies in Ross, Belvedere, Corte Madera, Tiburon, Sausalito and Fairfax and beyond are not equal in value to the large random sample of customers surveyed during the Diamond Certified ratings process.

In fact, references given by companies to potential customers are usually cherry-picked instead of randomly selected from their entire database, meaning you will likely get only the names of a few customers that the companies know are satisfied.

If you do call references on your own, ask for a list of the Marin County employee benefit companies' 10 most recent customers. This will help avoid them giving you the names of only customers they know were satisfied.

Then, call each of the references and ask questions to learn more about the insurance brokers and employee benefits providers you are considering hiring. Some questions you may want to ask are written below.

  1. Were you satisfied with the performance of _(company name)_ health and employee benefits company and their products?
  2. What type of insurance, employee benefits and services did they provide for you?
  3. Were you pleased with the turn-around time between when you signed up and when your employee benefits plans came into effect?
  4. Were they able to provide the employee benefits and health insurance packages that you hoped to provide to your workers?
  5. Was this employee benefits and health insurance provider able to work within your budget?
  6. Do you feel the price was fair for the packages you received?
  7. If your company is based in a smaller town such as Dogtown, Black Point, Lucas Valley, Kent Woodlands, Muir Woods, Point Reyes Station, Strawberry Point, Tomales, was this Marin County employee benefits firm able to meet your needs?
  8. Were you happy with the communication from this Marin County employee health insurance provider?
  9. What is the best part of dealing with this company?
  10. Is there anything you don't like about this company or their services?
  11. Would you contract with this employee benefits provider and employee health insurance company again if you had the choice?
  12. What else should I know about this company before making a hiring decision?
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Review Your Options
Signing a Contract with the Best Employee Benefits Services in Marin County

Before deciding on the best health insurance and employee benefits providers in Marin County for you, it’s important to review your notes and consider the following questions....

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Before deciding on the best health insurance and employee benefits providers in Marin County for you, it’s important to review your notes and consider the following questions.

  1. Is there one Marin County employee benefits company that stands out above the rest in terms of being able to meet your needs, budget, expectations and timelines?
  2. Did one local employee health insurance and benefits company seem to care more about meeting your needs than the others?
  3. Did one company offer a better range of packages or more complete set of choices for your employees?
  4. Do the employee benefits companies communicate clearly, quickly and effectively?
  5. Do you feel comfortable signing a contract with one of the Marin County health insurance and employee benefit providers you interviewed?
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How to Work With
Getting the Best Employee Benefits and Health Insurance Packages in Marin County

Whether you've narrowed down your choices to the best Marin County health insurance and employee benefits company for you and your business, or are still interviewing a few good firms, follow the helpful tips below to get great package deals and the solid coverage you and your employees need and deserve....

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Whether you've narrowed down your choices to the best Marin County health insurance and employee benefits company for you and your business, or are still interviewing a few good firms, follow the helpful tips below to get great package deals and the solid coverage you and your employees need and deserve.

  • Meet with the Marin County employee benefits and health insurance company representative and discuss your needs, those of your employees, and all of your expectations. Ask the insurance company whether they can meet your needs and how you can proceed to come up with a contract that address all of your needs, those of your employees and of the employee benefits company.
  • Ask for and carefully review the list of available packages and employee benefits menus. See that the cost and services meet your needs before moving forward.
  • Request a contract that will protect you and your Marin County health insurance and employee benefits provider, whether you're in Fairfax, Tiburon, San Rafael, San Anselmo, Novato, Mill Valley and Larkspur or another area.
  • Your agreement is final when you sign the contract, so never sign a blank or incomplete estimate, and don't feel pressured to make a quick decision. While timely contracts are important to lock in rates and options and to start coverage for your employees, you should always have time to read over and feel comfortable with your options.
  • Find out how you and your employees should deal with questions, comments, concerns or coverage issues in the future, whether you're in a large city like Ross, Belvedere, Corte Madera, Tiburon, Sausalito and Fairfax or Sleepy Hollow, San Geronimo, Marshall, Marinwood, Lagunitas, Forest Knolls, Greenbrae, Terra Linda, Woodacre.
  • Ask if your Marin County employee benefits company will come in to your office to present the available packages (if your employees get a choice on which coverages they receive) or the details of the plans you've chosen for your workers.
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Be a Good Customer
Being a Good Health Insurance and Employee Benefits Customer Gives You An Advantage

It's the responsibility of your health insurance and employee benefits providers to put together health insurance and employee benefit packages that meet your budget and requests and still cater to the overall needs of your employees. But you also play a big part in the success of the employee benefits packages you choose....

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It's the responsibility of your health insurance and employee benefits providers to put together health insurance and employee benefit packages that meet your budget and requests and still cater to the overall needs of your employees. But you also play a big part in the success of the employee benefits packages you choose.

Here are a few simple steps you can take to be a good customer when signing agreements with Marin County health insurance and employee benefits providers in Novato, Mill Valley, San Rafael, San Anselmo, Larkspur, Corte Madera and the rest of the Greater Bay Area.

  • Be clear and upfront with the health insurance and employee benefits providers you're working with. Let them know what you want from the health insurance and employee benefits packages you arrange for, the long-term outcome you’re expecting and specific ways they can satisfy your expectations.
  • Stay friendly, polite and focused on the job. Handle questions, concerns and even disagreements with professionalism and honesty.
  • Before you hire health insurance and employee benefits companies in Marin County, restate your expectations and goals, and reiterate to the health insurance and employee benefits providers representative your understanding of the agreement. Most problems with local health insurance and employee benefits providers occur because of a breakdown in communication. By being clear about your expectations and theirs, you can avoid most conflicts.
  • Ask your health insurance and employee benefits providers if you should call to check on the progress or if he will call you with updates.
  • Be sure your service representative has a phone number where they can reach you with questions and updates.
  • Return calls and emails promptly to keep the health insurance and employee benefits coverage on schedule.
  • Pay for the benefits and insurance coverage promptly.
     

Why would you want to be a good customer?

Local health insurance and employee benefits providers in Marin County appreciate customers who are straightforward, honest and easy to work with. Your good customer behavior sets the tone from your end and creates an environment conducive to a good relationship with employee benefits providers in Novato, Mill Valley, San Rafael, San Anselmo, Larkspur and Corte Madera and beyond. Things may very well go smoother and any problems may be more easily resolved. 

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Check the Work
Reviewing the Final Employee Benefit Coverage

Now is time to review the invoice from your health insurance and employee benefits company and ensure that you and your employees are getting all services, coverages and items promised in your original agreement.

Now is the time to address questions and concerns, and to make sure that you are getting what you were promised and that the services and packages arranged for meet your needs.

The invoice you receive should include the following for your protection....

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Now is time to review the invoice from your health insurance and employee benefits company and ensure that you and your employees are getting all services, coverages and items promised in your original agreement.

Now is the time to address questions and concerns, and to make sure that you are getting what you were promised and that the services and packages arranged for meet your needs.

The invoice you receive should include the following for your protection.

  • The health insurance and employee benefits providers' name, physical address and state license number.
  • A complete list of all services and packages provided.
  • The total cost for the health insurance, employee benefits, and other services or packages.
  • A written explanation of any warranties or guarantees.
  • A detailed document addressing cancellation or changes to the employee benefit packages if any can or need to be made by you, the broker or the insuring company.
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Top 10 Requests
Popular Kinds of Employee Benefits Available in Marin County and Beyond

You can often find any type of employee benefit or health insurance coverage you want from local health insurance and employee benefit providers in Marin County, including San Rafael, Novato, Mill Valley, San Anselmo, Larkspur, Corte Madera, Tiburon, Sausalito, Fairfax, Ross and Belvedere and other areas. The list below shows you which types of services and insurance coverages are most popular....

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You can often find any type of employee benefit or health insurance coverage you want from local health insurance and employee benefit providers in Marin County, including San Rafael, Novato, Mill Valley, San Anselmo, Larkspur, Corte Madera, Tiburon, Sausalito, Fairfax, Ross and Belvedere and other areas. The list below shows you which types of services and insurance coverages are most popular.

Vision Care Insurance Coverage Packages
Vision care, like dental insurance, isn't covered under most medical employee benefit plans, but it can be added on to packages by employers. This will cover eye exams, glasses and contact lenses, eye surgeries and other vision care.

Unemployment Insurance
Unemployment insurance is a policy that guards against sudden or unexpected unemployment through no fault of the employee (meaning they cannot have been fired or let go for conduct, lack of work, etc.). These plans may be set up by employers to prevent employees from facing fiscal uncertainty due to downsizing or other factors that cannot be prevented by the employer or the employee.

Group Health Insurance for Businesses in Marin County
Group health insurance is the most popular type of health insurance available through employers. These plans are often set up through the employer at a discount to cover all employees and their dependents.

Supplemental Health Insurance
Supplemental health insurance plans are add-on insurance policies that take care of people who miss work due to accidental injury or unexpected illness. Some plans cover additional medical fees, while others pay out cash to help employees continue to pay for housing, food and other expenses they may have trouble covering if they are unable to work due to injury or illness.

Life Insurance
Life insurance pays out after the death of an individual to that person's designated beneficiaries.

Flexible Spending Accounts (FSA)
FSAs allow holders to set aside pre-tax money for common medical costs. These funds must be used by the end of the term-year. Allowed services may include copays for doctors’ visits, hospital fees, medical test costs, rehabilitation, physical therapy, dental care, orthodontic care, inpatient rehabilitation care for alcohol and drug addiction, vaccines and immunizations.

Health Savings Accounts (HSA)
Health savings accounts allow holders to save for future medical costs. Money put in the account is not subject to federal income tax when deposited and can build up and be used in the future.

Individual Insurance Plans
These plans cover just the individual employee for health insurance matters and medical care. Their dependents and families are not eligible.

Family Health Insurance Plans in Marin County
Family health insurance plans cover the employee, their spouse and their dependent children. These plans may be fully covered by the  hiring company or a portion of the benefits may be paid by the employee themselves.

Dental Insurance Packages
Dental insurance is a popular coverage type, including care for the employee and their dependents. This may include preventative care, orthodontic care, oral surgery and other medically necessary dental care.

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If Things Go Wrong
The Diamond Certified Performance Guarantee for Employee Benefits Packages

Diamond Certified companies are backed by the Diamond Certified Performance Guarantee. If the employee benefits and health insurance provider you’ve contracted with is Diamond Certified and you can’t resolve the issue by talking with the insurance provider or your representative, contact the American Ratings Corporation mediation department at [email protected] or call 800-738-1138....

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Diamond Certified companies are backed by the Diamond Certified Performance Guarantee. If the employee benefits and health insurance provider you’ve contracted with is Diamond Certified and you can’t resolve the issue by talking with the insurance provider or your representative, contact the American Ratings Corporation mediation department at [email protected] or call 800-738-1138.

Stop Conflict with Marin County Health Insurance and Employee Benefits Services
If you've done your due diligence and carefully researched, vetted and chosen a good Marin County health insurance provider and employee benefits company in San Rafael, San Anselmo, Novato, Mill Valley and Larkspur and the rest of the local area, chances are good that you won't experience any trouble with your provider.

But for your benefit, you should know what to do if you face a disagreement or misunderstanding with your employee health insurance and benefits company. The tips below will help you get your coverage back on track and restore your relationship with your provider.

  • Meet with your health insurance and employee benefits company representative in person immediately if you have a complaint or a concern.
  • Review your original contract and try to verbally resolve the problem based on your initial agreement.
  • Write down your complaints. Document the times you contacted your Marin County health insurance and employee benefits provider and their responses to your concerns or complaints.
  • Set a deadline for resolution and make that date known to your insurance and employee benefits provider.
  • Consider calling a local insurance expert to evaluate the problem from a neutral standpoint.
  • You may legally withhold payment until the dispute is resolved, but this may impact your employees' health insurance or benefits.
  • Contact your state attorney general if you are considering pressing charges against the employee benefits and health insurance provider for breach of contract or serious grievances.
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Glossary of Terms
Glossary of Employee Benefits and Health Insurance Coverage Terms

accumulation period
The period of time during which the insurance policy holder's eligible medical expenses  count toward their minimum deductible.

Also known as: deductible period, deductible accumulation period

age limit
Some insurance policies, especially life insurance policies, have age limits above which they won't accept applications for or renew insurance policies.

Also known as: insurance age limit, age limit for insurance policies, age limit for insurance eligibility...

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accumulation period
The period of time during which the insurance policy holder's eligible medical expenses  count toward their minimum deductible.

Also known as: deductible period, deductible accumulation period

age limit
Some insurance policies, especially life insurance policies, have age limits above which they won't accept applications for or renew insurance policies.

Also known as: insurance age limit, age limit for insurance policies, age limit for insurance eligibility

alternative medicine
Medical practices or forms of medical treatment defined as alternative medicine may include those not generally recognized by the medical community. Alternative medicine may include acupuncture, homeopathy, aromatherapy, naturopathy, and other Eastern or non-traditional medicines. Many insurance companies do not provide insurance coverage for alternative medical treatment.

Also known as: Eastern medicine, non-traditional medicine, homeopathy, homeopthic medicine, naturopathy, acupuncture, chiropractic care

ambulatory care
Medical care diagnosis, certain forms of treatment, surgery and rehabilitation that are provided as outpatient services. These may or may not be covered at different rates than other types of medical care.

Also known as: outpatient care, ambulatory medical treatment

annual coverage limit
The dollar limits insurers will pay over the course of a year. Most of these plans are being phased out and may not be permitted as of January 1, 2014.

Also known as: annual health insurance coverage limits, annual coverage limits, annual limits

approved health care facility or program
A medical facility, hospital, program or clinic approved by a holder's health insurance plan. These approved health care providers, facilities and programs are authorized to provide specific services for specific medical conditions covered by insurance.

Also known as: approved health care program, approved health care provider

benefit
Any  medical service, treatment or supply (including prescription medications and equipment) covered by health insurance plans is known as a benefit.

Also known as: insurance benefit, benefit plan, insurance benefits

benefit level
The maximum amount the health insurance company will pay for a specific benefit.

Also known as: maximum health care benefit, maximum insurance benefit

benefit package
The package of medical and health-related services and supplies health insurance companies cover for holders of health insurance plans are benefit packages.

Also known as: insurance benefit packages, package of insurance coverages

cafeteria insurance plans
Cafeteria health insurance and benefit plans are those that allow employees to choose which benefits and insurance coverage they most want. Most insurance cafeteria plans available through employers show a list of prices and allow employees to choose whichever coverages they want as long as they fall under a certain total cost limit.

Also known as: cafeteria health insurance plans, a la carte insurance plans

COBRA
Federal legislation that allows employees and/or employees' dependents to continue to receive group health insurance coverage through the employer's health insurance plan, at the individual's expense after termination of employment.

Also known as: Consolidated Omnibus Budget Reconciliation Act of 1985, COBRA insurance coverage

certificate of coverage
A document given to insured individuals that describes the benefits, limitations and exclusions of coverage provided by the insurance company.

Also known as: certificate of insurance coverage

co-payment fees
S
pecific charges insurance holders pay for medical services or supplies before insurance kicks in to cover the rest of the fees.

Also known as: co-pay, copays, copay

deductible
A specific dollar amount health insurance companies require insurance plan holders to pay before the health insurance plan begins to make payments. Not all health insurance plans require a deductible, but most do.

Also known as: insurance deductible, deductible amount

dependent coverage
Health insurance coverage for spouses and unmarried children of insured individuals. Age and other restrictions may apply.

Also known as: dependent health insurance coverage, coverage for dependents

drug formulary
A list of prescription medications covered by health insurance plans.

Also known as: approved drug list, prescription formulary

flexible spending account
FSAs allow holders to
set aside pre-tax money for common medical costs. These funds must be used by the end of the term-year. Allowed services may include copays for doctors’ visits, hospital fees, medical test costs, rehabilitation, physical therapy, dental care, orthodontic care, inpatient rehabilitation care for alcohol and drug addiction, vaccines and immunizations.

Also known as:  FSA

HMO plans
HMO plans require insured members to use providers from a certain list of primary care doctors. The primary care doctor will refer out to other HMO specialists if additional treatment or specialty care is needed.

Also known as:  Health Maintenance Organization

health reimbursement account
Health reimbursement accounts allow
employers to set aside funds for health care costs accrued by their employees. These funds reimburse covered services paid for initially by employees.

Also known as: HRA, HRA accounts, reimbursement medical plans

health savings account
Health savings accounts allow holders to save for future medical costs. Money put in the account is not subject to federal income tax when deposited and can build up and be used in the future.

Also known as: HSA, high-deductible health savings accounts

health assessment
A health survey that measures your current health, health risks and quality of life. Some insurance plans require holders to undergo a health assessment before coverage begins to establish a baseline for expected health care needs and costs.

Also known as: health assessment tests, insurance health assessments

long-term insurance
Health insurance coverage set over a set amount of time is known as long-term insurance.

Also known as: term insurance

medically necessary health care
Services, supplies or prescription drugs needed to diagnose or treat medical conditions are known as medically-necessary health care.

Also known as: medical necessity, medically necessary care

non-network provider
A healthcare provider who is not part of an insurance plan’s authorized provider network. Costs for care provided by out-of-network providers may be higher than in-network providers, or  may not covered by insurance providers.

Also known as: out of network provider, NNP, OONP, non-authorized provider

short-term insurance
Insurance that covers certain services for a set short time period, usually six months or less.

Also known as: short term insurance coverage, short term medical insurance plans

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Frequently Asked Questions
FAQ Pertaining to Employee Benefits and Health Insurance Coverage For Companies

Q: Why choose Diamond Certified health insurance and employee benefits providers?...

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Q: Why choose Diamond Certified health insurance and employee benefits providers?
A: Diamond Certified helps you choose a health insurance and employee benefits providers with confidence by offering a list of top-rated local companies who have passed the country’s most in-depth rating process. Only health insurance and employee benefits providers rated Highest in Quality earn the prestigious Diamond Certified award. Most companies can’t pass the ratings. American Ratings Corporation also monitors every Diamond Certified company with ongoing research and ratings. And your purchase is backed by the Diamond Certified Performance Guarantee. So you’ll feel confident choosing a Diamond Certified health insurance and employee benefits providers.

Q: How much will employee benefits cost my company?
A: That depends on the employee benefits and packages you choose to provide. Providing health insurance, retirement packages and other benefits is voluntary, but it can have both financial and non-financial results when it comes to recruiting and retaining top-quality employees. Talk with a local health insurance and employee benefit provider to find out which options are available to you and your employees and what these packages and menus cost. A good employee benefit and insurance provider will help you weigh the pros and cons of providing health insurance and employee benefits to your workers.

Q: What is COBRA?
A: COBRA coverage is a continuation of health insurance coverage after an employee leaves a job. It stands for the Consolidated Omnibus Budget Reconciliation Act, which became law in 1986. This program requires covered employees to be allowed to continue their health insurance, and those of their spouses and dependents, when they might otherwise be lost due to leaving a job or another circumstance.

Q: How can I save money on employee benefits and health insurance coverage?
A: Good employers can find better employee insurance rates by speaking with quality insurance providers about their needs and options. Cut-rate insurance companies will usually give you plans that are lacking in quality, so you may be happier and get a much better value by getting your employee benefits and health insurance coverage through a reputable company. Some ways employee health insurance and benefits companies can  help lower rates is by offering plans with increased deductibles, voluntary benefits that pay directly to employees, and tailoring plans to fit employee needs and wants.

Q: Am I required to provide health insurance for my employees?
A: No, small businesses with fewer than 50 employees are not required to offer employee health coverage. However, many do and it is possible to find affordable, quality employee health insurance plans that keep your workers happy and won't break the budget.

Q: Do I have to cover the entire costs of my employees' benefits?
A: No, and it may be a mistake to do so. Most employers choose plans that require employees to pay some deductibles and even contribute toward the cost of their insurance for dependents. This can help lower overall costs, as it encourages employees to use their benefits more wisely. Others ask employees to pay a co-pay or contribute toward the coverage of a spouse that makes more than a certain amount or who has insurance available through their own employer. You may well be able to afford better overall employee benefits and health insurance plans if you ask your employees to contribute sightly toward their rewards.

Q: Can I tailor my employees' benefits packages to remove items they don't want or value?
A: You may, in many cases. Talk with your insurance provider to see if there are plans you can choose among that offer only the services and benefits your employees want and use. Ask your employees which benefits they like and want, and see if you can stop paying for the less desirable benefits. It's not worth paying for something no one wants. You may find that cafeteria plans, in which employees are allowed to choose their own benefits from a list with a fixed amount they may spend.

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Consumer Agencies
Employee Health Insurance and Benefits Associations and Agencies

California Department of Consumer Affairs (DCA) (www.dca.ca.gov)
National Association of Health Underwriters (NAHU) (www.nahu.org)
National Association of Insurance Commissioners (NAIC) (www.naic.org)
International Foundation of Employee Benefit Plans (IFEBP) (https://www.ifebp.org)...

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California Department of Consumer Affairs (DCA) (www.dca.ca.gov)
National Association of Health Underwriters (NAHU) (www.nahu.org)
National Association of Insurance Commissioners (NAIC) (www.naic.org)
International Foundation of Employee Benefit Plans (IFEBP) (https://www.ifebp.org)
American Benefits Council (ABC) (www.americanbenefitscouncil.org)

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Industry Information
Marin County Employee Benefits and Health Insurance Information
Popular Employee Benefits & Health Insurance Companies Types of Employee Benefit and Health Insurance Services Available in Marin County Cities Served Zip Codes Served
Aetna Insurancegroup health insuranceAlmonte
Bel Marin Keys
Belvedere
Belvedere Tiburon
Black Point
Bolinas
Corte Madera
Dillon Beach
Dogtown
Fairfax
Forest Knolls
Greenbrae
Ignacio
Inverness
Kent Woodlands
Kentfield
Lagunitas
Larkspur
Lucas Valley
Marin City
Marinwood
Marshall
Mill Valley
Mission Rafael
Muir Beach
Muir Woods
Nicasio
Novato
Olema
Point Reyes Station
Ross
San Anselmo
San Geronimo
San Marin
San Quentin
San Rafael
Santa Venetia
Sausalito
Sleepy Hollow
Stinson Beach
Strawberry Point
Tamal
Tamalpais Valley
Terra Linda
Tiburon
Tomales
Woodacre
94901
94903
94904
94912
94913
94914
94915
94920
94924
94925
94929
94930
94933
94937
94938
94939
94940
94941
94942
94945
94946
94947
94948
94949
94950
94956
94957
94960
94963
94964
94965
94966
94970
94971
94973
94974
94976
94977
94978
94979
United Health Insuranceemployee benefit health insurance
WellPoint Insurancecatastrophic health insurance
Health Care Service Corporation (HCSC)supplemental health insurance
American Family Insuranceworkers' compensation insurance
Assurant Health Insurancelong-term health insurance
Medi-Cal InsuranceHMO (health maintenance organizations)
Kaiser Foundationmanaged care insurance
Western Health Advantage Insurancefee-for-service health plans
Anthem Blue CrossPOS (point-of-service) health insurance plans
Humana Insuranceflexible spending accounts (FSA)
Aflac Insurancesmall business health insurance
Unicareself-employed health insurance
Cigna InsurancePPO (preferred provider organizations)
Blue Shield Insurancedental insurance
Highmark Insurancemedical emergency insurance
Medicare Insurancevision care
Medicaid Insurance travel health insurance
Unum Insuranceindividual health insurance plans
Kaiser Permanentefamily health insurance plans
The Hartford Insurancelimited benefit health insurance
Guardian Life (GLIC)short-term health insurance
American General Insuranceunemployment insurance