Medical InsuranceProducts & Services
Medical insurance is categorized into three basic types of coverage: HMO, POS / PPO and Consumer Directed.
Most plans offered today are purchased without requiring you to receive a referral from your primary care doctor to see a specialist. There are still some carriers who will offer you some additional savings for accepting a plan requiring referrals.
In an HMO design, you must use the providers in the network of the carrier you have chosen to get benefits.
There are no benefits in this type of plan if you want to see a provider or hospital who is not participating with your plan. The only exception to that is emergency room services at hospitals outside your HMO area where you would be covered regardless of network
The POS/PPO uses the same elements of an HMO design where you have a network of doctors and hospitals to choose from but in addition to this it allows you access to non participating doctors.
In the POS/PPO design once you have reached an out of network deductible you will start to receive reimbursements from the carrier for out of network services.
The New Wave Of Medical Insurance
A new category of plan design has been gaining interest as costs have been rising called Consumer Directed Health Plans or Health Savings Accounts.
We are certified to assist you in purchasing individual coverage for you and your family both On or Off the Exchanges.
Understanding the deductibles and co-insurances along networks available to individuals can be confusing. We are here to help.
How Much Can You Save?
We are experts in helping employers select and implement cost-effective Group Benefits coverage that bests even what the providers themselves and their employees can offer.
The topic of Medicare is confusing to most Employers and Employees.
What is Part A, Part B, and Part D are common questions along with asking what is the difference between a Medicare Supplement and a Medicare Advantage plan. Medicare plans are not one size fits all. We analyze each individual’s situation to determine which plans work best.
Learn about the changing world of plans, premiums and benefits so you can make decisions that make sense for you.