Employer Group Benefits

Employer Group Benefits for Your Company.

We’ll help you find the balance between your company’s group benefits and affordable care. Click the button below, select Employer Group Benefits, and we’ll send you more information catered to your company’s situation.

Find Your Health Insurance Plan

What Are The Benefits?

For employers, the benefits of Group Health Insurance includes the chance to receive tax credit and attract more employees, among other benefits. For the employees the benefits include more affordable healthcare, a feeling of being valued by their employer, and easier healthcare enrolling processes through their employer.

What Does Group Health Cover?

All Group Health Insurances cover an array of medical, hospital, and surgical expenses. Some also provide dental and prescription drug coverage. Talk with a specialist today to find the best plan for your company.

Do I Need Group Health Coverage?

Businesses with 50 or more employees may be required to offer Group Health Insurance to their employees. If your business is under 50 employees, you are not required, but if you pay at least half of your employees’ premium you may qualify for tax credit to aid in offsetting the cost.

Managed Care Plans

HMO (Health Maintenance Organizations): HMOs cover medical care provided by doctors and hospitals inside the HMO’s network only. HMOs may require members to get a referral from their primary care physician in order to see a specialist.²
PPO (Preferred Provider Organizations): PPOs cover medical care provided both inside and outside the plan’s provider network. These plans give patients the freedom of choosing their personally preferred choice of doctors and hospitals. PPO Networks tend to be quite large, affording many options within their networks, When choosing out-of-network care, members typically pay a higher percentage of the cost.²
EPO (Exclusive Provider Organizations): EPO’s are a lot like HMOs: They generally don’t cover care outside the plan’s provider network. Members, however, may not need a referral to see a specialist.²
POS (Point of Service): POS plans vary but they’re often a sort of hybrid HMO/PPO. Members may need a referral to see a specialist, but they may also have coverage for out-of-network care, though with higher cost sharing.²

Source:http://www.webmd.com/health-insurance/20140815/hmo-ppo-epo-hows-a-consumer-to-know-what-health-plan-is-best