From simple, affordable medical plans for the budget-conscious business owner to deluxe medical plans to attract and keep key employees and executives, we can design a medical plan for your company’s needs

Preferred Provider Organization (PPO) plans:
Allow you to choose a doctor or hospital from a list of "preferred" providers in order to receive full benefits. If you go to a doctor or hospital who is not on the list, the plan may cover a smaller percentage or none of your costs. Check with the insurance carrier BEFORE you use the plan to make certain your physician or hospital is a contracting provider. Make certain your doctor refers you to other providers who are on the list, or to whom the carrier agrees to pay at the "preferred" rate.

Health Maintenance Organizations (HMO) Plans:
HMOs were created with the idea of controlling costs and providing preventative health care before members get sick. HMOs are comprised of hospitals, doctors and other medical personnel who have joined to provide health care to members in return for a pre-paid monthly charge. You can go to the provider as often a as you need for the same monthly cost and an additional small fee per office visit or prescription. Most other medical services are fully covered. You do not have the option of going to a medical provider who is NOT part of the HMO. Enrollment is usually limited to employer groups, but a few HMOs will take individual members.

Mix and Match Plans:
To keep employees happy, many employers allow multiple plan choices for their employees to select. Employees may elect the basic employer-paid health plan, or opt to upgrade their plans at an additional cost.

Multiple Carriers Alongside:
Many providers allow other carriers, such as Kaiser Permanente, to go alongside their main group health plan. Restrictions apply, so please talk to us to find out if this is the right solution for your company.