California Group Medical Insurance
To locate the best group medical insurance plans in California for your business insurance needs, browse our vast carrier database. At Primespot Insurance Services, we have health quotes and information on all types of plans--individual and group, HMO, PPO, POS, and more. In addition, our brokers are available to answer any questions you may have about the pros and cons of providing insurance for your employees.
Finding an insurance carrier with coverage for your group is easy when you consider the basic medical needs of the insured. Choosing between an HMO (Health Maintenance Organization), a PPO (Preferred Provider Organization), or a POS (Point of Service) is the first decision. Which type of coverage is most accessible in your California community? With the HMO, the insured is limited to the providers specifically contracted to provide service.
California Group Medical Insurance--PPO, HMO, POS
With group insurance PPO plans, the employees can choose their own physicians. For the most benefit, the physician must be listed as a network provider. If a non-network physician or facility is used for medical care, the out-of-pocket expense to the insured will be higher than the cost of using a member provider. In POS plans, the employee can choose any physician who has agreed to provide discounted fees; however, the option to see a specialist must be recommended by the primary physician.
Browse our website for group medical insurance in California. All the forms you need to obtain quotes or submit applications to your choice of California carriers are available online. If you need assistance, or have unanswered questions, just send us an email at email@example.com.