Employer Sponsored Health Insurance
Our employer-sponsored health insurance plans provide comprehensive coverage not only for your employees but also for their families, ensuring protection and peace of mind for the entire household.
What you see is what you get
Partnering with trusted national insurance carriers, we deliver benefit plans that offer a perfect balance of affordability and coverage. Our mission is to help reduce your employees’ premiums and out-of-pocket costs while giving your organization competitive rates, straightforward fees, and consistent value year-round.
We understand how important your employees’ health is, which is why we’re dedicated to providing exceptional group health insurance solutions tailored to your company’s needs.
Not all health plans are built the same
People often mix up group health plans with group health insurance, but they are different things. A group health plan is the overall benefit program an employer provides, while group health insurance is just one way to pay for it.
Employers can fund these health plans in several ways. Some choose to cover medical costs themselves, called self-funding. Others set a fixed budget to manage expenses, known as level-funding. There are also options like joining captive groups that share risks, using health insurance exchanges to find plans, or purchasing fully insured policies where an insurance company takes on the risk.
Each method offers different advantages depending on the company’s size, budget, and risk tolerance.
Categories
Common types of health plans include: HMO, EPO, PPO, Reference-Based Pricing, or HDHP.
- HMO (Health Maintenance Organization): Requires choosing a primary care physician and obtaining referrals for specialists, typically covering only network providers.
- EPO (Exclusive Provider Organization): Requires using network providers except in emergencies but doesn’t require referrals for specialists.
- PPO (Preferred Provider Organization): Offers the freedom to see any provider, with lower costs when using in-network doctors.
- Reference-Based Pricing: Establishes a fixed payment amount for certain medical services; members pay any costs above this set price.
- HDHP (High Deductible Health Plan): Features higher deductibles with lower premiums, often paired with Health Savings Accounts to help manage expenses.