• Fully Insured Plans
• Self Insured Plans
• Partially Self Insured Plans

Indemnity plans, sometimes referred to as “traditional plans,” offer benefits with specific day or dollar limitations for covered benefits. A wide range of plans are available in the market. You can select the very best package of benefits the carrier has to offer, or you can elect to pick and choose what options you are willing to provide. For example, you may prefer to only cover in or out patient services and offer low dollar limitations. Regardless, our experts work with you to determine where you strategically fit during our plan design phase. We guarantee, that with one of our employee benefit experts in your corner, any plan can be accomplished that works for you!

Traditional plans generally have open access to large provider networks and employees are not usually required to select a Primary Care Physician. This type of access does come at a premium, as traditional plans are typically are considered to be a more enriched benefit program, hence they are more costly to the employer.

If you are competing in an industry where employee retention is challenging due to a lack of qualified employees possessing a special skill or knowledge, offering this type of medical benefit plan will entice current employees to stay as well as enhance your recruiting efforts in obtaining new skilled employees.

Conversely, if you are providing employee benefits to an entry level, seasonal, or lower-level position, you may prefer the a la carte approach or “Mini-Med” plan to provide basic and affordable health care for your employees. These Mini-Med plans usually feature some type of wellness or preventive care requirements as well.

HMO, PPO, EPO, POS PLANS

Health Maintenance Organization (HMO)
An HMO requires members to select a primary care physician to provide all health care directives within a specific network. Out-of-network services are not covered, unless it is a “true emergency” as defined by the HMO. HMO’s focus on preventative care and work with providers within the network to deliver high quality care at the lowest possible expense.

Preferred Provider Options (PPO)
PPO plans have the same characteristics and options as indemnity or traditional plans except members agree to use a specific network of providers. These networks tend to be very large so there is little or minimal inconveniences to the member. Participants do not select a primary care physician, and referrals are only required if a PPO doctor refers the patient out-of-network. PPO plans have become the most popular plans in the country, given their affordable pricing points and wide selection of doctors and hospitals.

Exclusive Provider Organization (EPO)
An EPO features a much smaller network of providers who have contracted with an insurance company to provide benefits to its members. This generally results in lower rates for employers and possibly lower costs to members. However, any care provided outside the EPO network will not be paid for by the EPO. No primary care physician is required, but again, you must receive service from an EPO provider.

Point of Service (POS)
POS plans offer the benefits of a PPO, however members must select a primary care physician. The most unique feature of a POS, is that if a member uses a network provider, they have lower co-pays and deductibles than if they utilize services outside of their network.

CONSUMER DRIVEN HEALTH PLANS

• High Deductible Health Insurance Plans (HDHP)
• Employee Wellness Programs and Planning
• Health Savings Accounts (HSA)
• Health Reimbursement Accounts (HRA)
• Flexible Spending Accounts (FSA)