Large Group Health Insurance

Dedicated on Improving Health and Production For Large Employers

Let Zein Insurance Services, Inc. help your business grow and be successful

Zein Insurance Services Inc, is dedicated to helping your business save and continue productivity. Our personalized solutions for large group insurance is designed to manage health care costs  that benefit your interest and improve employee health and wellness through our exclusive PPO network.

While we regard our small business clients as family, we provide only the highest levels of professionalism for our corporate clients. At Zein Insurance Services Inc, we understand this is not only the standard, but a necessary aspect to insuring your firm holds a fair, bidding process.

Whats the difference between a Composite Rate and a Age Banded Rate?

Composite rate indicates that all members of a certain group pay the same insurance premium. This is different from an Age Banded Rate, because rates will be different for every age 21 to 65. Spouses and children will have their own rates, and the total family rate includes the combined rates of individual, spouses, and children all together.

According to the California Department of Insurance and the Department of labor, millions of people in the state of California are without health insurance. The problem however, is many Californians do not qualify for the health care subsidy or Medi-Cal, and they do not have access to an affordable employer sponsored group health plan.

Real – World Examples

Average Large Employer Contribution – Age Banded Rate

• $6,000 Annually

Average Large Employer Contribution – Composite Rate

• $4,500 Annually

What Does This Mean For Your Business?

Zein Insurance Services Inc, has a unique network that specializes in large group insurance rates, which is an exclusive captive program through our firm only. Under ACA rules, companies under 101 employees lost their composite rating. With Zein Insurance, 25+ employee participation can receive a composite rate. Utilizing multiplan.com network, which has over 900,000 physicians nationwide. On average, an employer will save 25 to 33 percent with these composite rates and achieve better coverage. This means that your business does not have to be subjected to age banded rates like most business over 50+. We offer unbiased advice, unmatched value added services, and online on boarding HR Software that’s a benefit to any business.

Find solutions and learn how to maintain your businesses success by getting a quote today with Zein Insurance Services, Inc.

Are you aware that ZIS offers a full line HR portal and software services for your first enrollment year?

If you want to be successful adding value to your business is important. We know HR. We live and breathe it every day so we know the type of training HR professionals look for to mitigate risk, protect employees, and stay compliant. Zein Insurance Services works with your business in handling a growing list of compliance-related issues. Such as, sexual harassment and discrimination, workplace safety, OSHA requirements, ethics, and diversity at work.

At Zein Insurance we have researched powerful HRM and CSR that are a value to our clients. Would you like to learn more about our services and easing the stress of your HR department? Give us a call at 818 887-8787 or fill out a quote.