Health Insurance

Our agency traces it's origins back to 1968 (through our affiliation with Small Business Service Bureau) helping businesses secure the optimal health plan for you and your employees.

If you'd like a quote, please "Request A Quote" for Group Health insurance. A census form is available for your convenience.  

For most employers, choosing a health plan is a significant part of recruiting and retaining quality employees. Working with a cost effective health plan is a key decision for your business. In addition; on-going legislation at both the State and Federal levels only furthers the complexity for an employer's review process. We assist our clients by reviewing the various health plans and alternatives available as well as the impact of any changes you are considering. 

In most states, the common health plan options are: 

Health Maintenance Organization (HMO):

  • You choose a Primary Care Physician (PCP) that directs your care within a group of providers and facilities under agreement with the health plan (network).
  • A PCP's referral is required prior to accessing most specialty care or facilities. 
  • If you travel out of the service area, urgent care is covered.

Exclusive Provider Organization (EPO):

  • You choose a Primary Care Physician (PCP) that directs your care within a group of providers and facilities under agreement with the health plan (network).
  • PCP's referrals may or may not be required to access specialty care or facilities.
  • If you travel out of the service area, urgent care is covered.

Preferred Provider Organizations (PPO): 

  • PPO Plans pay for services rendered by providers and facilities under direct contract (in network) as well as providers & facilities NOT under direct contract (out of network). 
  • Services obtained from in network providers are available with lower out of pocket expenses. 
  • PPO plans allow you to access care from non-plan (out of network) providers but the benefits are covered subject to higher out of pocket expenses.
  • PPO plans often have separate deductibles and coinsurance for in network vs. out of network services. 
  • PPO plans do not require PCP referrals to specialist as well as access to non-contracted providers and therefore have higher premiums than HMOs.

Many employers are also looking at various health plan cost savings options such as:

  • Pairing or converting to a health plan with a limited network to reduce premiums.
  • Offering high out of pocket, low premium plans along with "buy up" options for low out of pocket, higher premium plans.   
  • Self funding options offer the potential to recover allocated unused premium dollars and better manage costs by highlighting areas of utilization.  
  • Qualified High Deductible Health Plans (HDHP) paired with Health Savings Accounts (HSA) to use pretax dollars to pay for ongoing and/or smaller claims and deductible funding. HSA's are also a significant tax saving option with triple tax leverage. 
  • Health Reimbusement Accounts (HRA) and Flexible Spending Accounts (FSA) with rollover features to offset higher out of pocket expenses on lower premium health plans.
  • Pairing specialty insurance plans (Accident, Critical Illness, Hospital Indemnity) to reduce the impact associated with higher out of pocket plans. 
     

We work with local and national health plans including: