What sets UBC apart?
At UBC, we strive to deliver trusted, personal service to each one of our clients, large or small. There’s no one solution to any situation, so we customized our recommendations to meet your unique needs. We pride ourselves on this type of one-on-one quality service. And we never charge you for it.
Why is working with UBC free?
Because we get paid on the back end by whichever carrier you choose, we’re able to offer you our consulting advice absolutely free of charge!
What types of plans are available?
We represent every single provider in California, which means we can not only find any plan you need, but find the one that fits you best.
There are three basic types of managed care plans: PPOs, HMOs, and POS plans, which have become more dominant here in California. Our experienced consultants have an extensive knowledge of these and all plans. We’ll help you understand the options available, so you make the right choice for yourself, your family or your employees.
I own a company. Should I offer health insurance to my employees?
Health insurance matters to workers! Studies have shown that they value health insurance benefits second only to monetary compensation. And not only do your employees benefit, when you obtain group insurance through a company you may also get better rates for your personal insurance needs. Plus, there are tax incentives available to you and your employees when you participate in a group health insurance plan. Businesses can generally deduct 100% of the premiums they pay and often are able to reduce payroll taxes. Another plus is that group health insurance is guaranteed! No one is declined, regardless of their medical history or previous condition.
How does one qualify for group health insurance?
If your company meets the following, it’s probably eligible for a small business plan.
1) It’s a legitimate business entity, verified by a business license or fictitious name filing (proprietorships and partnerships), articles of incorporation (corporations), or articles of organization (limited liability company).
2) It consists of at least two full-time owners, officers, partners and/or employees, as verified by officially-filed state quarterly wage and tax statements (e.g., DE-6 in California) or annual federal tax return documents
3) Your business meets the minimum employer contribution percentage set by the insurance company.
4) You can also offer group health insurance for 1099 employees. Be sure to ask us about it! |
