Group Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We’ll make sure you and your employees are covered with health insurance with premiums that are affordable and plans that are rich in benefit.

What is Group Health Insurance?

Group Health Insurance is an insurance that covers a defined group of people, for example the members of a society, or professional association, or the employees of a particular employer. Grouping individuals together allows insurance companies to give lower rates. Providing large volume of business to insurance companies gives us greater bargaining power for clients, resulting in cheaper group rates. Group Insurance also allows us to get better rates on ancillary coverages such as Life, Disability, Dental and Vision Insurance. It also allows for additional voluntary coverage at much deeper discounts than on the open market.

Health Maintenance Organizations (HMOs) & Exclusive Provider Organizations (EPOs)

  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn’t in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

Preferred Provider Organizations (PPOs) & Point-of-Service plans (POS)

  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.

High Deductible
Health Plan (HDHP)

  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans.
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health
Insurance Plan

  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of “safety net” coverage in case you have an accident or serious illness.
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots.
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

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