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One-up "printable" edition - CCA Journal magazine

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warren g. bender co.<br />

Getting You The Right Coverages<br />

Continued from previous page<br />

“<strong>CCA</strong> members should not assume<br />

they have the health insurance coverage<br />

that’s right for their organization<br />

or their family. That’s a dangerous<br />

assumption. It’s pays to investigate,<br />

even if you only get back the assurance<br />

that you actually have the right<br />

coverage at the lowest price.”<br />

Health plans are complicated, Chris<br />

explained, and price is dependent on<br />

the coverage desired, deductible levels,<br />

size of the gro<strong>up</strong> and utilization<br />

data.<br />

“I had one chiropractor who was paying<br />

about $30,000 a year to just for<br />

his own family’s medical insurance,”<br />

Chris recalled. “After reviewing his<br />

needs, we offered him a plan that appropriately<br />

covered him and also his<br />

staff and cut his annual bill in half.”<br />

Warren G. Bender Co. is offering a significant<br />

bonus to <strong>CCA</strong> members who sign <strong>up</strong> for a costeffective<br />

gro<strong>up</strong> health plan. With five or more<br />

employees participating in the plan, you will<br />

receive access to the California Chamber of<br />

Commerce’s excellent Human resources program,<br />

HRCalifornia Express.<br />

HRCalifornia Express is the latest Web site<br />

by CalChamber, designed for those new to managing<br />

HR issues. It provides HR Basics, Forms & Templates, Wage<br />

Order Wizard, Required Posters chart, and a glossary of the most<br />

common terms. On HRCalifornia Express, you can get the basic information<br />

you need with streamlined, step-by-step instructions on<br />

how to stay compliant with California employment law.<br />

Click here for more information.<br />

If you think your office is too small to<br />

qualify for a gro<strong>up</strong> plan, think again.<br />

As few as two people—which could<br />

be a husband and a wife, or a chiropractor<br />

and a receptionist—can qualify.<br />

And, gro<strong>up</strong> plans are usually less<br />

expensive than individual plans.<br />

“Some insurance agencies don’t like<br />

to write small gro<strong>up</strong> health plans,<br />

especially if they are combined with<br />

high deductible plans” Chris explained,<br />

“because there’s not a lot<br />

of profit in them. But here at Warren<br />

G. Bender Co. we are big enough to<br />

have the economies of scale that enable<br />

us to write this business. Plus,<br />

it’s a tremendous service that we can<br />

provide to our customers—so, naturally,<br />

we want to offer this.”<br />

As usual, Warren G. Bender Co. is going<br />

the extra mile for their customers.<br />

They have arranged with the<br />

California Chamber of Commerce to<br />

make available their excellent Human<br />

Resource program, called HRCalifornia<br />

Express, to every doctor’s office<br />

with five or more people enrolled in<br />

a gro<strong>up</strong> health plan. This is a $2,000<br />

value, given to <strong>CCA</strong> members for<br />

free. For doctors with less than 5 employees,<br />

this service can be obtained<br />

at the substantially reduced price of<br />

$40 annually.<br />

Continued on next page<br />

Page 29

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