Employees Health Insurance · Remote Teams
🌎 Remote Employees Outside California
💻 Your team went remote. Your health plan should go with them.
Hiring outside California opens up talent, and it also raises a question: does your plan reach people in other states? 🗺️ What network does your remote hire actually have where they live? 🔍 There are setups built for spread-out teams, and the right one depends on where your people are. I’m Matthew Reilly, a licensed agent helping California employers with remote teams.
💬 Overheard on the team call
👨⚕️ “It’s one guy in Texas. It’s fine.” 🤠
👩⚕️ “Until he goes for his yearly checkup and finds out the network stops at the state line. 🚧 Want to check before he does?”
🗺️ Does a California group plan work in other states?Networks
Many California plans use California-only networks, which can leave an out-of-state employee with emergency coverage only. Some plans include a national network or out-of-area options. Compare HMO, PPO and EPO →
Which states do your remote employees live in?
📅 Pick a Time to Check Coverage for Your Remote Hires🔀 What setups work for spread-out teams?Options
Common choices include a plan with a national network, offering different plans by location, or an individual coverage reimbursement arrangement where employees pick their own plan in their state. See defined-contribution options →
Would your team rather have one plan for everyone or choices by location?
🔍 Pick a Time to Compare Setups for Your Team📋 Do remote employees count toward my group?Group Size
W-2 employees generally count toward your group size wherever they live. Carriers may also want most of your eligible employees based in California. Each carrier sets its own rules.
📊 Request a Group Quote Built for Your Remote Team🤝 The Bench Behind You
👨⚕️ “Behind me is a family-owned General Agency with over 40 years in California group benefits.”
👩⚕️ “You get dedicated sales and service reps, plus underwriting advocacy that pushes tough cases through with carriers. That’s the bench your business gets.”
📅 Meet Your Team: Put Real Support Behind Your Benefits