Meg has served us for many years and has diligently helped our ministers navigate their insurance needs...

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–Rev. Rich Guerra
    Superintendent
SoCal Network Assemblies of God

 

Large Business

What is large group health insurance coverage?

Large Group health insurance coverage is a policy purchased by an employer with 100 or more employees and offered to eligible employees (and often to employees' family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. (Source: National Association of Health Underwriters)

Contact Meg McComb

 

Will you be in compliance with health care reform?

The Patient Protection and Affordable Care Act (PPACA) was signed into law March 23, 2010, and impacts all insurance policies sold in America.  Some provisions of health care reform began after the law’s passage, and other provisions are phasing in through 2018. 

 

“If you don’t plan to succeed,
you plan to fail.”

 

Strategic planning and analysis of your employee benefits package is essential for today’s business success. Meg McComb provides essential guidance to save your large business critical time and exorbitant fines. She will conduct a comprehensive compliance audit of your insurance portfolio to check for compliance with stringent state and federal Health Care Reform legislation. Meg will present an overview of Health Care Reform requirements, and produce an implementation plan for your organization. Meg partners with legal counsel as needed to answer your questions.

 

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Contact Meg McComb for help with:

  • Major medical, dental, vision, life, long-term care, long-term disability, overseas travel, and key-man insurance
  • Strategic employee benefits design and renewal management
  • Health Care Reform implementation
  • One-on-one employee advocacy and support
  • Voluntary Benefits
  • Compliance with federal and state regulations
  • Health Fairs and Educational Seminars
  • “Pay-or-Play” Calculation
  • COBRA, ERISA, FLMA
  • FSA, HRA, and HSA Plans
  • Online enrollment
  • Plan Document Preparation and Nondiscrimination Testing

 

As a client of McComb Insurance Services, you will receive constant communication on state and federal insurance legislation and the evolving California marketplace. Annual renewal meetings include an in-depth analysis of all insurance policies, customized to your group’s budget considerations and benefits expectation. Meg aggressively promotes wellness programs, to maximize employee productivity and achieve maximum premium discounts. 

 

Frequently Asked Questions

 

If one of my employees is eligible for a subsidy in the exchange (Covered California) because of his income, should he enroll there instead of stay in my group medical plan?

Unfortunately, the provisions of PPACA stipulate that an employee covered by group insurance is ineligible to receive a subsidy in a state exchange (Covered CA) if he is offered “affordable coverage” which meets “minimum value.” If an employee pays more than 9.5% of his W-2 income towards the employee portion of employer-sponsored coverage and/or that coverage fails to meetminimum value, he/she may be eligible for a subsidy in the exchange. 

 

How can I keep up on all the health care reform regulations?

 

McComb Insurance Services offers health care compliance as part of her services. Meg works closely with accounting and health care reform experts. Contact Meg McComb