CalCPA Health Insurance Options for Financial Professionals :

Small Business Health Insurance at Discounted Rates

CalCPA group health insurance for your CPA business with Carmel Bay Group Insurance

In the quick and evolving world of finance and accounting, staying ahead requires not only skill and expertise but also access to valuable resources that empower you to thrive. As a CPA, Financial Advisor or other financial professional, you are already committed to excellence and continuous growth. But what if there was a way to elevate your practice further, enhance your employee benefits, and secure your team’s health and well-being, all while enjoying exclusive rates? Welcome to CalCPA, where membership opens the doors to small business health insurance plans that beat all the competition.

Recognizing the unique needs of accounting professionals, Carmel Bay Group Insurance has partnered with CalCPA to offer this  exclusive group health insurance plan.

The CalCPA Advantage

CalCPA is more than just an association; it’s a community of professionals dedicated to fostering excellence, growth, and innovation in the world of finance and accounting. One of the standout benefits of CalCPA membership is the opportunity to access top-tier employee health insurance plans including dental, vision and LTD plans, that cater specifically to your firm’s needs. Here’s how you could be eligible and how it can revolutionize your business:

Eligibility Criteria

The CalCPA membership isn’t limited to accountants and CPAs alone. If you’re a Financial Advisor, Planner or related financial professional, you are eligible to join this esteemed community. Whether you’re an individual practitioner or  a partner in a firm, the benefits of CalCPA membership are designed to empower you at every stage of your career.

Unrivaled Employee Health Insurance Plans

Imagine offering your employees a comprehensive health insurance plan that not only covers the basics but goes above and beyond to ensure their well-being. CalCPA’ exclusive partnership provides access to these plans at rates that are highly competitive, translating into significant savings for your firm. Here’s why this advantage is a game-changer:

Comprehensive Coverage

Your employees’ health is vital to your firm’s success. The CalCPA’s employee health insurance plans offer comprehensive coverage that includes hospital stays, doctor visits, prescription medications, and preventive care. This level of coverage doesn’t just keep your employees healthy; it also demonstrates your commitment to their overall well-being, fostering loyalty and job satisfaction.

Discounted Rates

Healthcare costs are a major concern for both businesses and employees. CalCPA offers members access to heavily discounted rates on health insurance plans. By taking advantage of these exclusive rates, you can make a significant impact on your firm’s bottom line, freeing up resources for growth and other objectives.

Ready to seize this opportunity? Reach out to Michael or James at Carmel Bay Group to learn more and see if you qualify to join this beneficial community of financial professionals and unlock the power of affordable employee health insurance plans.

Medical Plans

PPO, HSA, and EPO Plans 

CalCPA Health offers PPO copay and Health Savings Account (HSA) plans through the Anthem Blue Cross provider network and offers the Prudent Buyer PPO and Select Narrow Networks Options. The Standard Prudent Buyer network is Anthem’s largest network, consisting of over 70,000 participating physicians and approximately 430 hospitals in California. Anthem’s Select Network is smaller but provides a premium savings range of roughly 2 to 12 percent, depending on the selected rating region and/or plan. PPO plans allow you to see any physician or other eligible provider without a referral. However, if you use out-of-network providers, you should expect to pay a significantly greater portion of the eligible charges. 

An Exclusive Provider Organization (EPO) provides subscribers with overall savings on premium and offers the same benefits a PPO plan does. The difference is with an EPO, you must stay within the network (no out-of-network visits). 

HMO Plans

CalCPA Health also offers Anthem Blue Cross HMO and Select HMO plans. In the HMO network, Anthem has contracted with more than 57,000 physicians and approximately 420 hospitals throughout the state. Firms with two or more plan participants may choose from Anthem Blue Cross HMO and Select HMO plans. When enrolling in a HMO plan, each member chooses a doctor in the Anthem HMO network to be assigned as their Primary Care Physician (PCP). A PCP specializes in General Practice, Internal Medicine, Family Practice or Pediatrics and would be responsible for managing your medical needs; including referrals to any specialty care. 

With an HMO, there are no claim forms to fill out when you use in-network providers. While some specialty care such as OB/GYN and Mental Health may be self-referred within the Anthem network; all other specialty care requires a referral from your PCP, including non-emergency hospitalization.

All plans provide the following: 

  • Access to quality healthcare through the Anthem Blue Cross network of healthcare providers 
  • Coverage for mental health and substance abuse services
  • Comprehensive coverage for a wide range of healthcare services 
  • Emergency care coverage worldwide, 24 hours a day 
  • LiveHealth Online: Medical, Allergy, Psychology and Psychiatry visits online

Vision and Dental Group Life Plans & Long Term Disability

CalCPA Health offers members access to quality eye care doctors, eyewear, and low out-of-pocket costs through Vision Service Plan (VSP). VSP has the largest network of doctors to choose from and provides ease of finding in-network doctors. CalCPA Health also provides members with a special discount program, VSP Vision Savings Pass, that offers immediate savings on eye care and eyewear. CalCPA Health offers various Delta Dental PPO plan options that provide members with access to the nation’s largest dental PPO network. Benefits include discounts when visiting a Delta Dental PPO dentist, the freedom to choose any licensed dentist for your care, and unsurpassed claims convenience as participating providers handle all claims paperwork as well as most inquiries on behalf of members.

Take advantage of this unique opportunity to buy affordable group health insurance for you, your family and company.

As a CalCPA insurance broker, Carmel Bay Group Insurance of Carmel, California can help you access this group health insurance opportunity.