Let us break down the healthcare system and navigate the process for you.

Medical Plans

(PPO) Preferred Provider Organization Plans

A premium option allowing employees the most flexibility.

• Employees can go in or out of network as they wish but will realize greater savings by visiting in-network providers.
  
  

(HMO) Health Maintenance Organization Plans

Most affordable option, with an established network of doctors.

• Members may need to choose their primary care physician, and referrals are obtained for specialists.
  
  

(POS) Point of Service Plans

A hybrid of HMO and PPO

• Like an HMO, participants designate an in-network primary care physician.

• But like a PPO, patients may go outside of the provider network for services.

• Coverage amounts are reduced when using out of network options.
  
  

(HSA) Health Savings Account Plans

Accounts are used with a qualifying high deductible health plan (HDHP).

• Employee accounts are funded on a pre-tax basis.

• They are used to pay qualified medical expenses not paid by the high deductible plan, including office visits, deductibles, co -insurance and prescriptions.

• The account is owned by the employee.

Dental and Vision

Compliment your plan with these most desirable options to improve overall health and well being.

Life and Disability

Provide peace of mind for your employees and their families in the event of the unexpected. With a wide range of packages, these add-ons are surprisingly affordable. Coverage can be purchased often for as little as a few dollars per person per month.