In California, a health insurance group is classified as large if it has 101 or more eligible employees. However, the actual size of the group may be determined by the insurer. For example, a health insurance plan with 50 eligible employees may be classified as large if the insurer's policy states so.
In California, large groups are regulated by Cal/OSHA, which sets core standards for health and safety in the workplace. According to Cal/OSHA, large groups must have basic health and safety protocols in place, such as an emergency response plan, a hazard communication program, and hazard control strategies.
Large group health insurance plans in California must provide coverage for at least the following 10 categories of health benefits: doctor and other medical services, hospitalization, outpatient and emergency services, preventive care, mental health services, substance abuse treatment, prescription drugs, rehabilitative and habilitative services and devices, maternity care and newborn care, and palliative care and end-of-life services.
In California, large groups are responsible for providing their employees with high-quality health services that comply with state and federal laws. To ensure that the health insurance plans they offer are affordable and comprehensive, employers should compare quotes from reputable and reliable insurers in the state. Additionally, they should also carefully read and understand the terms and conditions of a health plan before signing on the dotted line.