GROUP HEALTH INSURANCE

Are you looking for a better value in Group health insurance?

Health Maintenance Organization plans (HMO) are a good value and provide benefit rich plans with prepaid health services, comprehensive care, easy access to doctors, a broad range of preventive services and generally low cost copayments.

Preferred Provider Organizations (PPO) are the most common and popular health insurance product available providing a broad array of benefits, co-pays, doctors, hospitals and networks.  There are many plan designs to choose from but generally PPOs are becoming increasingly more costly.

Health Savings Account (HSA) consists of a high deductible health insurance plan with deductibles ranging from $1,200 - $5,950 with 100% insurance coverage after $5,950 out-of-pocket expense.  These plans provide an opportunity to save thousands in pre-tax dollars for future medical expenses like dental, vision, other medical expenses or plan deductible – all tax free in a Health Savings Account. 

Consumer-Driven (CDHP), Flexible Spending Accounts (FSA), Health Reimbursement Accounts (HRA) and Cafeteria plans are IRS approved strategic tools that can be used to reduce premiums while enhancing coverage.  Our specialty is using these tools to create a more cost effective health insurance package.  We are experienced in customizing programs to meet your benefit objective and likely reducing premiums up to 35%.  These tax-advantaged strategies can reduce your cost of insurance now!  Keep more of your premium dollars in your business by partially self-funding. 

Contact us or send us your employee census.  A whole new money saving - premium reducing group plan can be yours.