Small Business Group Health Insurance Information
New York - Pennsylvania - New Jersey - Texas - Florida - Arizona - North & South Carolina
Most small businesses offering their employees Group Health Insurance plans
contribute towards the cost of the coverage. Some pay for all of the employees'
premiums (for single coverage) and have the employees pay the premium if they
need coverage for their families. Other small businesses pay a percentage of the
total health insurance premium cost.
The health insurance plan that works best for your small business is determined
primarily by your location, the physicians and hospitals available through the
health insurance plan, options offered by each insurance plan, and what your
budget can accept.
Learn more about the types of Group Employee
Health Insurance Plans we can offer your business
by clicking on a link below!
Employee benefits are an important factor to any business in hiring and
retaining a good work force. Every small business needs to review periodically
their employee benefit health insurance plan to ensure that this major expense
continues to offer the highest quality group health insurance coverage.
** Click on the link below to fill out a quote request form for a group employee
health insurance plan policy that regardless of whether you're a large employer
or a small business, will provide excellent health insurance coverage at an
affordable cost for your businesses most important assets, your employees. An
experienced business insurance agent in your state will contact you.
** Fill out our short quote request form and we will forward your
information immediately to a licensed business insurance agent in your
state. Our services are free to your small business and we only share your
information with one insurance agency in your state and will not offer, sell,
or distribute your information to any other insurance or non-insurance
source. We hate email spam too!
Request a Quote Here!
Answer a few questions and
you will be provided with a
quote by email or phone.
Choose the Small Business
Insurance coverage you're
interested in from the menu
above.
Group Employee Health Insurance Plans
SmallBusinessInsurance.ws - (352) 327-0333
Managed Care:
Fee-for-Service:
(NY, PA, NJ, AZ, NC, TX & FL only)
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians, specialists, hospitals & clinics.
PPO Insurance Plan (Small Business Group Health Insurance)
A PPO group employee health insurance plan is recommended for small businesses wanting
to offer their employees convenient access to quality medical care with effective medical
management, a large and diverse network of primary care physicians, medical specialists,
hospitals and clinics.
An employee can see any health care professional in the network any time they choose to
make an appointment. They don't need referrals for specialists or other services as required in
an HMO. An employee can see doctors or specialists outside your PPO network, however,
your employees portion of the costs will be higher.
An employee may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some
services such as emergency room, mental health and chemical dependency services, may
carry additional costs in a PPO health insurance plan.
** Click on the link below to fill out a quote request form for a PPO group employee health
insurance plan policy that regardless of whether you're a large employer or a small business
in New York, South Carolina, New Jersey, Pennsylvania, Florida, Arizona, or Texas, will
provide excellent health insurance coverage at an affordable cost for your businesses most
important assets, your employees. An experienced small business insurance agent in your
state will contact you to discuss the policy features in more detail.
(NY, PA, NJ, SC, NC AZ, TX & FL only)
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
HMO Insurance Plan (Small Business Group Health Insurance)
An HMO group employee health insurance plan helps your small business control health
care costs through a closely managed plan with an emphasis on preventive care. Each
employee selects a Primary Care Physician from a network of providers. The Primary
Care Physician can coordinate the total care of the employee to help ensure appropriate
care is received. An employee may also seek care from any provider in the network
without a Primary Care Physician referral, subject to a higher out-of-pocket expense.
Subscribers to an HMO receive medical services from participating physicians, clinics and
hospitals. An employee chooses a primary care physician from a list of participating
doctors. That doctor is used for typical circumstances such as annual exams and usual
health issues. If the employee needs to see a specialist, be hospitalized, or have lab or X ray
work, their doctor will refer them to a provider or facility within the HMO system. Your
employees doctor must give authorization for those services to be covered by your HMO.
In other words, an employee must see HMO approved physicians and use HMO approved
facilities or pay the entire cost of the visit themselves.

Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for lower
fees with a network of health care providers and give their policyholders a financial
incentive to stay within that network.

An employee may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some
services such as emergency room, mental health and chemical dependency services, may
carry additional costs in an HMO health maintenance plan.
Fee-for-Service:
Managed Care:
Learn more about the other types of Group Employee Health Insurance Plans we can
offer your small business by clicking on a link below!
** Click on the link below to fill out a quote request form for an HMO group employee
health insurance plan policy that regardless of whether you're a large employer or a small
business in New York, New Jersey, Pennsylvania, Florida, Arizona, or Texas, will provide
excellent health insurance coverage at an affordable cost for your businesses most
important assets, your employees. An experienced business insurance agent in your state
will contact you to discuss the policy features in more detail.
(NY, PA, NJ, NC, SC, AZ, TX & FL only)
Managed Care:
Fee-for-Service:
Learn more about the other types of Group Health Insurance Plans we can offer your
small business by clicking on a link below!
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Small Business Group Health Insurance)
A POS or Point-of-Service group health insurance plan allows your employees the option
of accessing any medical provider without a primary care physician referral and receive
the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers
closely managed benefits. A POS health insurance plan also pays benefits for out-of-
network care, but at a lower level than for in-network care.
Costs that exceed the deductible are covered by a co-insurance plan in which your
employee and the insurance company share the cost for services covered by the policy.
Also, some services such as emergency room, mental health and chemical dependency
services, may carry additional costs in a POS health insurance plan.

Fee-for-Service:
Managed Care:
Learn more about the other types of Group Health Insurance Plans
we can offer your small business by clicking on a link below!
** Click on the link below to fill out a quote request form for a POS group employee
health insurance plan policy that regardless of whether you're a large employer or a small
business, will provide excellent health insurance coverage at an affordable cost for your
businesses most important assets, your employees. An experienced business insurance
agent in your state will contact you.
(NY, PA, NJ, NC, SC, AZ, TX & FL only)
Fee-for-Service or major medical group employee health insurance provides benefits
up to a high limit for most types of medical expenses incurred, subject to a deductible.
Once the deductible is met, this type of group health insurance plan will pay a
percentage of what is considered the "Usual and Customary" charge for covered
services. The insurance company generally pays 80% of the Usual and Customary
costs and you're responsible for paying the other 20%, which is known as co
insurance. If the insurance company charges more than the Usual and Customary
rates, you will need to pay both the co-insurance and the difference.
Fee-for-Service group employee health insurance allows your employee to choose
their doctor and any hospital for their medical services. Usually, an employee will
have a deductible such as $500 or more to pay each year before the insurer starts
paying. The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.
Fee-for-Service health insurance coverages for employer sponsored employee
benefits typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance options
that can assist your small business in reducing employee benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Fee-for-Service employee health insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other health
care providers than managed care health plans, such as HMO, PPO, and POS.
Fee-for-Service employee health insurance may not pay for some preventive care,
such as check-ups, and is usually a more expensive health insurance coverage than
utilizing an HMO, PPO, or POS plan.
Click on the link below to fill out a quote request form for a Fee-for-Service group
employee health insurance plan that regardless of whether you're a large employer
or a small business, will provide excellent health insurance coverage at an affordable
cost for your small businesses most important assets, your employees. An
experienced business insurance agent in your state will contact you.
(NY, PA, NJ, AZ, TX, SC, NC & FL only)
Learn more about the other types of Group Employee Health
Insurance Plans we can offer your Florida, New York, New Jersey,
Arizona, Texas, North Carolina, South Carolina, or Pennsylvania small
business by clicking on a link below!
Managed Care:
FLORIDA - NEW YORK - PENNSYLVANIA - ARIZONA - NEW JERSEY - NORTH CAROLINA
SMALL BUSINESS INSURANCE.ws
Small Business Group Health Insurance Information
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