Should We Change Our Company Kaiser Health Plan To Covered California?

Question: We are a non-profit organization located in California; is there any advantage if we change our company Kaiser health plan to Covered California?

Answer: Yes, non-profits (and for-profits) can take advantage of a special tax credit under the Patient Protection And Affordable Care Act, if eligible.

Question: Assuming we already have a group Kaiser policy, Is there any disadvantages if we change our company Kaiser health plan to Covered California?

Answer: Kaiser Permanente has “mirrored” group employee health plans, on and off the Covered California marketplace exchange. Therefore, if you change your company Kaiser plan to Covered California, your employees should enjoy the same level of benefits.

Question: Are premium rates lower if we change our company Kaiser health plan to Covered California?

Answer: The rates could be slightly lower, because Covered California group Kaiser rates do not include Pediatric Dental. This is a preferred omission for many small group employers who already offer a company dental plan.

There are additional benefits of offering the group edition of Covered California, including employee access to PPO plans with no minimum participation required. However, enrolling employees with Covered California group edition takes a little longer than normal, and Covered California requires your applications be submitted via a Certified Insurance Agent:

So start the process early, 45 to 60 days is ideal.

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