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Shopping for group health insurance has never been easier or more convenient. We offer a wide selection of the biggest and best names in the business. With over 750+ group health insurance plans in our nationwide database, you're certain to find a plan that will offer you the most value for your insurance dollar. This is especially helpful if you need group health insurance for a small business or if you are self employed.
Currently, more than 60% of people in the United States with health insurance receive their health care plans through employer sponsored group health insurance plans. Many employees will report that the most important benefit offer to them from their job is health insurance. In many cases, employees are willing to work for lesser wages in order to maintain these benefits. Therefore, companies that offer comprehensive medical coverage group plans to their employees usually have a lower staff turn-over rate. In fact, these benefits are used to attract the best and the brightest to your company.
Types of Comprehensive Group Health Insurance Plans
An HMO (Health Maintenance Organization) is one one of the most affordable group health insurance plans available. Your employees must go to doctors within the network and choose a primary care physician. However the health-care providers have contracted with the insurance company to provide health-care services at fixed rates. So they usually don't require members to satisfy a deductible before benefits take effect, and most services are covered by set, lower cost co-payments.
An PPO (Preferred Provider Organization) is a similar organization in that some group health insurance care providers are contracted to provide health care services at contracted rates, but it offers more flexibility, since most HMOs require that their members stay within their provider network. When your employees receive care from in-network doctors, they will save money. But they will also have coverage with any physician or specialist - even if they are not in the preferred network.
An POS (Point of Service) is an "HMO/PPO" hybrid; sometimes referred to as an "open-ended" HMO when offered. Group health insurance POS plans resemble HMOs for in-network services. Services received outside of the network are usually reimbursed in a manner similar to conventional indemnity plans (e.g., provider reimbursement based on a fee schedule or usual, customary and reasonable charges).
An EPO (Exclusive Provider Organization) is a health care benefit arrangement that is similar to a preferred provider organization in administration, structure, and operation, but which does not cover out-of-network care. An EPO is a type of group health insurance plan that utilizes primary care physicians to coordinate access to in-network medical services for plan participants. EPOs feature financial incentives to seek health care services from in-network providers, and patients are responsible for considerable out-of-pocket expenses if they receive care from out-of-network providers without authorized referrals. EPO providers are only paid for services provided (HMOs receive monthly payments from carriers); and the premiums for EPOs are generally cheaper than HMOs. EPOs are structurally similar to PPOs, but EPO members cannot file claims for non-network office visits, which PPO and POS plans allow.
An HSA (Health Savings Account) offers maximum cost effectiveness for your benefits plan. It gives your employees an account called a Health Savings Account, or HSA, which they can use to pay for their medical care and prescriptions. The HSA is funded by an employees´ pre-tax contributions, and you can also choose to make employer contributions. It also includes a Traditional Group Health Insurance Coverage (PPO) component, similar to a typical health plan, to help protect your employees against large health expenses.
We provide a choice of Group Health Insurance Plans which allow employers to choose from several group health plan designs HMO, PPO, POS and HSA´s ( click here for more HSA basics ) with a variety of co-payment options. There are a wide range of benefits, including preventative care, inpatient and outpatient hospital services and emergency care. We realize that having all these choices can sometimes be a bit intimidating so please call us Toll-free at 1-877-566-5454 if you have any questions or if you need help. Also, please call us if your business has over 50 employees.
Barricks Insurance Services
Important Disclaimer: Answers and comments provided above are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, governmental, or other professional advice. We do not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service, health plan, or service provider mentioned or any opinion expressed in the website. Replies, comments, or information gathered on BarricksInsurance.com website may not be accurate but are intended to be helpful.