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  Group Benefits


Why are employee benefits important?

Comprehensive benefit packages are attractive to job seekers, particularly if benefits extend to their families.

Offering a competitive benefit package can give you the edge you need to hire and maintain a quality, dedicated staff.
What types of employee benefits are available?

  •  Medical benefit
  •  Healthcare
  •  Dental
  •  Vision
  •  Workers’ compensation
  •  Flexible spending account
  •  Life, accident insurance and disability plans
  •  Basic and supplemental life
  •  Disability
  •  Business travel
  •  Retirement
  •  401(k) savings plans (often includes company matching)
  •  Additional benefits
  • Tuition reimbursement program
  •  Paid holidays
  •  Vacation days

We Help Employers maximize their benefit dollars, please contact us and see how!

Individual Benefits

Medical                                

HMO  

HMO means "Health Maintenance Organization." HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members.
With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan.

 How does an HMO plan work?  

As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs.
Before you can see a specialist, you'll need to obtain a referral from your PCP.

 EPO 

Exclusive provider organizations (EPOs) 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. Point of Service (POS) plans vary, but they're often a sort of hybrid HMO/PPO.

How Does EPO Health Insurance Work? 

Cost-sharing like deductibles, co-payments, and coinsurance are kept to a minimum with an EPO. In fact, some EPOs doesn’t require any deductible or coinsurance
at all, and just charge a small co

In Health insurance in the United States, a preferred provider organization (or PPO, sometimes referred to as a participating provider organization or preferred provider option) 

is a managed care organization of medical doctors, hospitals, and other health care providers who have agreed with an insurer or a third-party.

How Does PPO Health Insurance Work?

Member of a PPO, or "Preferred Provider Organization," plan, you'll be encouraged to use the insurance company's network of participating doctors and hospitals.
 These providers have been contracted to provide services to the plan's members at a discounted rate.

Other benefits offered with individual medical coverage is dental and vision plans

Medicare

Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under
Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our
Medicare Advantage Plans to receive all your Part A and Part B benefits.

Medicare is divided into four categories.

Part A (hospital insurance):

Covers hospital care, emergency services, nursing home care, home health services and hospice.

Part B (medical insurance):

Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection.
 Examples include ambulance services, mental health care, outpatient procedures and clinical research.

Part C: (Senior Advantage Plans)

Combines Parts A and B and often part D as well.

Part D:

Offers prescription drug coverage.

 What Medicare options are available?  

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs.
There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare.
There are two Medicare plans that we can assist you with.

1.  A Medicare Advantage Plan, also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage.
This plan can be customized with additional coverage, such as a prescription drug program (Part D), vision and dental.

A Medicare Supplemental Plan, also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave behind.

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs.
There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare.
There are two Medicare plans that we can assist you with.

Contact us today to learn more about coverage options. We are happy to work with you to determine which Individual and Medicare options works best for you.                                                                                                              

 

 



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