As your independent health insurance agent, we can provide you a choice from among many different providers and can fully explain your various options. Insurance policies and laws are complex and are constantly changing. Using a broker does not cost any more than going directly to the carrier. We are local and will help you and your employees with any health insurance related issues that may arise. By working closely with you, we can help find the right benefit plan for your employees, while also meeting your budget needs.
PPO (Preferred Provider Organization) plans are the most popular and have the most flexibility. Claims are paid at the highest level when you receive medical care from doctors or hospitals that have a contract with the carrier. Services received by out-of-network providers may be paid at a lower benefit level.
HMO (Health Maintenance Organization) plans require you to choose a primary care physician that will provide most of your health care and refer you to a specialist if needed. Services obtained outside of the HMO are typically not covered, except for emergency services.
HSA (Health Savings Account) eligible medical plans are PPO plans with high deductibles and are usually paired with a tax-favored financial account. Most plans do not cover prescription drugs or medical services (other than preventive care) until the deductible has been met. You may purchase an HSA eligible plan without setting up a financial account.
A Health Savings Account (HSA) is a tax-favored financial account set up with an HSA-eligible medical plan. The HSA allows you to contribute funds on a pre-tax or tax-deductible basis, which you may use to pay for eligible medical expenses. Additional information may be found under Healthcare Resources.