Small Business’s 

EmployER Health & Medical Plans

Small Business’s  EmployER Medical Plans are now guaranteed coverage  with just one common law employee  ^{(AB 1083)}, who isn’t a spouse.  

No medical questions are asked! 

Small Business can enroll year around, you do not have to wait for Open Enrollment.   See the brochures and other pages in this section of our website, in the menu above, site map or child pages below.

Email, Skype or Zoom us [email protected] for more information. 

We are here to help you get the most from your Employer Group Health Plan.

Our services and consultation are free as long as you appoint us as your agent for no additional charge as we are compensated by the Insurance Companies to help you.

See the buttons below to get quotes, ask us a question or set a meeting.
Check out the details of each Insurance Companies offerings by going to their webpage from our Insurance Carrier section, below.

Insurance Carrier Information

Carriers – Companies

• Aetna
• Blue Cross – Anthem
• Blue Shield
• California Choice – A Private Exchange
• Health Net
• Kaiser Permanente
• Self Funded Plans – Ben E Lect
• Sharp Health Plan
• SHOP – Covered CA for Small Business
• United Health Plan – Pacificare

Child, Related Pages & Site Map 

• AB 1083 – PPACA – CA law to comply with Federal Law
  • 90 Day Maximum Waiting Period?
    • Late Enrollee – Triggers – Qualifying Events
  • Definitions Health Care Reform
    • EmployER Definition – Health Care Reform
      • 1099 vs Employee & Other Defintions
        • Telemarketing Training
      • EmployEE Definition
        • Dependent Definition – Up to Age 26 – Add newborn baby
          • Registered Domestic Partners – Spousal Health Coverage?
  • Insurance Company requirements AB 1083
    • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
    • Health & Safety Code Requirements Insurance Companies must Follow!
  • Participation & Contribution Requirements
    • Documents to show bonafide Employer in business
      • Fictitious Business Name
    • Enforcement – Participation – Recertification – Actively @ Work
      • Actively @ Work Corona Virus Quarantine?
      • Why enroll in your Employers Group Health Plan?
    • Management Carve Outs
      • Common Ownership – Affiliated Companies – Corporations
      • Salary Discrimination §2716 – Not enforced
      • Similarly Situated Employees
    • Special Annual Open Enrollment – NO Rules!
• Carriers – Companies Employer Group
  • Aetna
  • Blue Cross – Anthem
    • Administrative, Renewal & Wellness Tools
    • Anthem Blue Cross Dental
  • Blue Shield
    • Administrative
    • Blue Shield Dental
  • California Choice – Multiple Companies ONE Bill
  • Health Net
    • Administrative, Wellness & Renewal Tools
  • Kaiser Permanente – New Enrollment
    • Administrative Tools & Info
  • Oscar
  • Sharp Health Plan
  • SHOP – Covered CA for Small Business
    • Dental
  • Sutter Employer Health Plans 2021
  • United Health Plan
    • Administration & Wellness
• COBRA & California Cal-COBRA 36 months total coverage
• Dental, Vision, Supplemental
  • Supplemental – Cancer
• Quotes Employer Group – California – Instantly
  • Premium – Rating Factors
• Tax Credits Small Business §45 R
  • IRC §106 Health Insurance Deduction for Employers & Employees
    • Schedule C – Self-Employment Income – Hobby? Office in home?
  • Section §105 -HRA Health Reimbursement
  • Section 125 – POP Plan Employee Contributions are Tax Deductible
    • §125 Cafeteria Plan – Full Benefit

• ACA Health Care Reform – Obamacare Introduction
  • 10 Essential Mandatory Benefits + CA Benefits
    • Mental Health – ACA/Health Reform Mandated Essential Benefit
      • Mental Health – Outpatient – Therapist – Medicare
      • Resources – Mental Health
        • Lanterman – LPS – Conservatorship
          • Murphy Conservatorship – Civil Commitment – Incompetent to Stand Trial
        • Organizing, Hoarding, & Cluttering
        • Scapegoated? blame – whose fault
          • Toxic and Controlling People
    • Pre-Existing Conditions – No more!
    • Preventative Care & Wellness Programs
      • Corona Virus – How does Insurance Cover it? – Relief Programs
      • Preventative Care – Wellness Visit – Medicare
      • Wellness – Kaiser Programs
        • Nutrition & Weight
  • 80% Medical Loss Ratio (MLR) – Actuarial Value
    • CA Insurance Rate Regulation
      • Premium increases? Why are they always going up?
        • Financial Impact of Health Care Reform on Premiums
  • Heath Reform Upheld as a tax NFIP vs Sebillius
    • California vs Texas Supreme Court – ACA unconstitutional
  • MAGI – Modified Adjusted Gross Income – Line 37* Now 7 or 8b
    • APTC Advance Premium Tax Credit – Subsidies – Introduction
      • 1095 A, B & C & FTB 3895 Covered CA Statement of Subsidy & Proof of Coverage
      • 8962 Premium Tax Credit APTC Form attaches to Form 1040
        • Medi Cal – Income Drop? Tax or Subsidy Pay Back?
        • VITA FREE help – Covered CA Warning Memo
      • Affordable Employer Health Coverage? Employee ONLY 9.86% Family Glitch
      • Age 65 – Can you get Tax Credits Subsidies Covered CA?
      • Native American – Indian – Chumash – Lakota – Aho
      • Premium Subsidy to 600% FPL + Mandate Penalty?
        • Mandate Penalty California – MEC – QHP – 5000 A
          • 10 Reasons that you need Health Insurance
            • Medical Bankruptcy
          • Employer Mandate for Health Insurance ACA 4980 h
            • 6056 – w -2 – spd etc Reporting
              • ERISA Employee Retirement Income Security Act — 1974
              • HR – PEO Support ADP Payroll Services & Alternatives
            • FTE – ALE Full Time & Equivalent Employees
          • Health Sharing Ministries – Not Protected by Insurance Guarantees
          • Lawfully Present – Public Charge – Immigration Status
      • Subsidies Upheld – King v Burwell
    • Income Chart – Line 11 1040 Covered CA MAGI
      • Household Definition for Medi Cal – Who counts?
    • Report a Change – How & When – Especially Income
      • Conditional Eligibilty
      • Create Account for Covered CA from access code
        • Appoint us as your Covered CA Broker – No extra charge
      • Fudging the Income or Deductions?
        • Perjury – What is the definition?
        • What is hearsay? Someone else said on the phone? Gossip
      • Proof of Income – Accepted Documents
    • Table of Contents – Details of Income, Deductions & Expenses for MAGI
      • Alimony – From a Divorce Settlement
        • Child Support – Adoption – Tax Credit – Enter Military
        • Married – Must File Jointly, Single, etc? Filing Status?
      • Capital Gains, Sale of Home & Dividends
        • Rental Income? Line 17 Home Mortgage Interest
          • 1031 Exchange – Investment Property – Rental Units
          • Tenant’s – Renters Rights – Finding Low Income Housing
      • Clergy – Housing Allowance? Covered CA MAGI Income
        • Charitable Donations
        • Employee Business Expense Unreimbursed
      • Debt Cancellation? Foreclosure?
      • Educational Credits – Student Loan Interest
      • Gambling Income & Losses – Other Income Line 21
  • Metal Levels – Platinum, Gold, Bronze – Silver & Enhanced
    • Enhanced Silver 94, 87, 73 Cost-sharing reductions
    • HSA Health Savings Accounts
      • Employer Equal Contributions for employees?
    • OOP -Out of Pocket Maximum – Participating or Not? Deductibles & Co- Pays
      • Negotiated Rates – Balance Billing? Transparency
    • Provider – Doctor & Hospital Finder – no index follow
      • Buy Travel & International Insurance – Geo Blue – Insubuy
        • Blue Shield PPO Out of State & Country
      • Cedar’s Sinai – Thipa – Optum – UCLA – stanford Insurance Plans Accepted
      • Medicare Assignment – Doctor Participating or Not?
      • Narrow Lists? Fewer MD’s than before? Mirrored Plans?
        • Continuity of Care same doctor chronic illness if you change plans
        • Emergency Room – Obligation to treat uninsured patients
  • Special Enrollment Periods Covered CA & Direct with Broker
• Appeal & Grievances? Medicare – Medi Cal – Covered CA
  • Grace Periods? NEVER get cancelled Non-Pay!!!
    • Never got bill? USPS Informed Delivery
  • Last Minute Application? When does coverage start? Competent Adults
  • Medical Necessity – reasonable and necessary Independent Medical Review
  • Plain Meaning Rule – Read the policy 3 times
    • EOC Evidence of Coverage Value and how to find
      • 30 Day Free Look – Right to view EOC
    • Maxims of Law – Proverbs
• Contact Us & License Info
  • 17 Reasons to use Steve Shorr Insurance
    • Biography – Steve Shorr
      • Lt. Paul S. Shorr US Army – Korea
      • Non Insurance Websites
        • Croatia July 2021
        • Princess Louise
        • Tennis Links
        • Web Design
          • Home Page Mock Up
          • Portfolio
    • Purchase Tutoring, Research & Education
    • Testimonials – “Yelp” Reviews
  • Set a Meeting – Zoom, Skype or Phone
    • Meeting – Expectations – Terms of Service
      • Privacy Statement
        • Privacy – Federal HIPAA
          • CA Privacy Laws – Mandated Records Retention
            • Right to review your Medical Records
          • Email Privacy
        • Visitor Agreement
• Employer Health Plans – Introduction
  • AB 1083 – PPACA – CA law to comply with Federal Law
    • 90 Day Maximum Waiting Period?
      • Late Enrollee – Triggers – Qualifying Events
    • Definitions Health Care Reform
      • EmployER Definition – Health Care Reform
        • 1099 vs Employee & Other Defintions
          • Telemarketing Training
        • EmployEE Definition
          • Dependent Definition – Up to Age 26 – Add newborn baby
            • Registered Domestic Partners – Spousal Health Coverage?
    • Insurance Company requirements AB 1083
      • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
      • Health & Safety Code Requirements Insurance Companies must Follow!
    • Participation & Contribution Requirements
      • Documents to show bonafide Employer in business
        • Fictitious Business Name
      • Enforcement – Participation – Recertification – Actively @ Work
        • Actively @ Work Corona Virus Quarantine?
        • Why enroll in your Employers Group Health Plan?
      • Management Carve Outs
        • Common Ownership – Affiliated Companies – Corporations
        • Salary Discrimination §2716 – Not enforced
        • Similarly Situated Employees
      • Special Annual Open Enrollment – NO Rules!
  • Carriers – Companies Employer Group
    • Aetna
    • Blue Cross – Anthem
      • Administrative, Renewal & Wellness Tools
      • Anthem Blue Cross Dental
    • Blue Shield
      • Administrative
      • Blue Shield Dental
    • California Choice – Multiple Companies ONE Bill
    • Health Net
      • Administrative, Wellness & Renewal Tools
    • Kaiser Permanente – New Enrollment
      • Administrative Tools & Info
    • Oscar
    • Sharp Health Plan
    • SHOP – Covered CA for Small Business
      • Dental
    • Sutter Employer Health Plans 2021
    • United Health Plan
      • Administration & Wellness
  • COBRA & California Cal-COBRA 36 months total coverage
  • Dental, Vision, Supplemental
    • Supplemental – Cancer
  • Quotes Employer Group – California – Instantly
    • Premium – Rating Factors
  • Tax Credits Small Business §45 R
    • IRC §106 Health Insurance Deduction for Employers & Employees
      • Schedule C – Self-Employment Income – Hobby? Office in home?
    • Section §105 -HRA Health Reimbursement
    • Section 125 – POP Plan Employee Contributions are Tax Deductible
      • §125 Cafeteria Plan – Full Benefit
• Individual & Family Health Insurance CA
  • Companies – Carriers
    • Blue Cross – Anthem Individual
      • Blue Cross Dental – Individual & Family
      • Grandfathered Plans – April 2020
        • Grand Fathered Plans What does that mean?
    • Blue Shield 2021 PPO & Trio
      • 2021 Trio HMO ACO
      • Blue Shield Dental & Vision
      • Member Portal – How to set yours up
    • Health Net 2021 Individual Information & Enroll
    • Kaiser Permanente – Enrollment – Pay Premium ONLINE
      • Kaiser Medical Financial Assistance Program (MFAP)
    • LA Care – Medi Cal & Covered CA
    • Molina Health Care
    • Oscar Health Insurance
    • Sharp Health Plan
    • Sutter Health 2021
    • Western Health Advantage
  • Dental & Vision for Adults and Mandatory Pediatic as an essential benefit
    • Covered CA Dental
    • Dental Implants
    • Dental under Medicare is very limited – 2022 Budget to increase benefits
    • Vision
• Life, Disability, Long Term Care & Retirement
  • Disability Income – Pay Check Protection
    • SDI State Disability Insurance – Not Eligible for COVID unemployment stimulus
      • SDI for Business Owners
        • SBA CoronaVirus Loans
      • SDI State Disability Benefits Taxable?
      • Unemployment Compensation – Can’t find job – Corona Pandemic – Family Leave- Free Silver 94
        • Unemployment Compensation? MAGI Income?
  • Estate Planning
    • Estate & Gift Taxes
      • Coverdell Education Savings Account & 529
      • Gift Income? Covered CA MAGI? Taxable?
    • Living Trust – Bank Accounts?
      • Executor – Successor Trustee – What are the duties?
      • Sample – Example California Will – Where does your stuff go? Health Care Directive
        • Probate
        • Will Contests – Disinherit a child
      • Special Needs Trust
    • Proposition 13 Lower Property Tax on Inheritance
  • Life Insurance – Instant Quotes – Universal – Key Man Life
    • Find a lost or missing Life Insurance policy – Pension – Bank Accounts
      • Life Settlements – Sell your unwanted policy
    • Rated – Surcharged Policies
      • Final Expense – Almost Guaranteed Issue
  • Long Term Care Nursing & Home Health Care
    • §1035 Exchange of Annuities or Life Insurance for Long Term Care Planning
    • 7 Activities of Daily Living ADL
      • CA Law – Long Term Care
    • Employer Groups – Long Term Care
    • Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
    • Tax Qualified LTC Policy
    • True Freedom – Home Health Care ONLY Coverage
  • Retirement Planning & MAGI Income
    • Annuities & MAGI Income Taxation Exemption
      • Jackson National
      • Private Annuities
      • TSA-Teacher Retirement Plans – Tax Sheltered Annuities
    • Business – Employer Sponsored Retirement Plans
      • 401 K
        • FAQs
      • Secure Choice -CA State Run Retirement System
      • Selling and Valuation of an Insurance Practice?
      • SEP – Simplified Employee Pension
    • IRA – Individual Retirement Account
• Medi-Cal – CA Version of Medicaid
  • Contact Info – Enroll ONLINE Medi-Cal
    • Cal Fresh – SNAP – Food Stamps – WIC
    • Enroll ONLINE Los Angeles
  • Eligibility Criteria for Medi-Cal – MAGI Income
    • Aged and Disabled Federal Poverty Level Program
      • IHSS In Home Supportive Services
      • Part B Medicare Premium paid by Medi Cal – Part D Rx?
      • Share of Cost – Medically Needy – What is it?
      • SSI – Supplemental Security Benefits – Automatic Medi Cal – SSDI
        • California Teachers & Social Security Disability
        • DAC Disabled Adult Child – Keep Medi Cal – Retirement
          • Disabled Children – over 26 – stay on parents insurance
          • Representative Payee
    • Pregnant Women – Medi-Cal Eligibility – Breast & Cervical Cancer
      • Infertility
    • Release or kicked out Medi-Cal get Covered CA
  • Full Scope Medi-Cal – Benefits & Coverages
    • Denti Cal & Vision
    • Dual Coverage? Medi Cal, Employer Group, Individual, Cal Medi Connect & Medicare
  • Redetermination? Renewals? Verification
    • Bank Statement Review
• Medicare – Introduction – Part A Hospital – B Outpatient – D Rx Medi Gap & MAPD
  • Fraud, Scams, Waste & Abuse
    • Risk Adjustment Fraud Bumping up illness to get more $$$
  • Medi Gap – Supplement Plans – non conical
    • Anthem Blue Cross
    • Blue Shield – Medi-Gap – Any Medicare Provider
    • Guaranteed Acceptance – Medi-Gap – Supplemental Plans
    • No more plan F? Only G? MACRA
  • Medicare Advantage Plans – Part C
    • Anthem MediBlue Plus
      • SNP Anthem Blue Cross
    • Blue Shield 65 Plus – Inspire HMO 2021
      • Dental & Vision
      • Provider Directories, Search Tools & Instructions
      • Trio Medicare – Blue Shield – Sacramento
    • Enrollment Dates for MAPD – Medicare Advantage & Part D Rx
      • Residency – CA, USA – Which State?
        • Outside of USA – Meet Deadline – Web Visitor Q & A
    • Marketing Rules – Best Plan – SOC Scope of Appointment
      • Obscure Medicare Health Plans – Not in CA
        • Motion Picture Industry Pension & Health Plan
        • Northup Grumman Medicare Supplements? & LACERA
        • Veteran’s Benefits
    • Togetherness – Loneliness Social Determinants of Health
    • United Health Care
  • Part D Rx Prescriptions
    • Blue Cross Rx
    • Blue Shield Rx
    • Donut Hole – Coverage Gap
    • Maximus Appeals LEP Late Enrollment Penalty
      • Employer Credible Coverage
    • Premiums for those with High Income Parts D Rx & B Doctor Visits
    • Shop & Compare Tools Part D Rx
      • Part D Rx Low Income Subsidy – LIS – Extra Help
        • Prescriptions Drugs – Rx – Including under 65 ACA
    • UHC – Part D Rx
  • Seminar – Medicare Information ONLINE
    • ONLINE Account for Medicare & Social Security
    • Original Medicare & Medi-Gap – Supplement vs Medicare Advantage MAPD
  • Single Payer Cal Care AB 1400 – Medicare for All? – Funding
  • What’s Covered in Part A Hospital & B Doctor Visits? Part D Rx
    • Chiropractic – Medicare A & B – MAPD
    • Diabetes
    • Durable Medical Equipment
    • End Stage Renal – Kidney Failure
    • Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
      • Part A Hospital rules for zero premium
        • LAUSD Medicare Qualification
      • Part B – Doctors – How to sign up – Benefits
        • Medicare need if covered by Employer Plan? Retiring?
          • Employer Deduction for Medicare Premiums?
        • Part B Late Enrollment Penalty
          • Ex Pats Medicare if not USA resident
    • Hearing Aids
    • Physical therapy – occupational speech
    • Skilled Nursing SNF & Home Health What Medicare Pays
      • Hospice Coverage – Medicare
• Site Map
• skilled nursing mass email
• Social Security – Retirement Benefits – Survivors – When?
  • Social Security Benefits MAGI Covered CA Income Subsidies