Group Health Insurance Plans
Blair Insurance can help you to find a plan to suit your business, no matter how large or small. We will work with you to help assure your employees are offered coverage that makes sense for them at a great rate for the both of you. We will walk you and your team through the entire insurance process – breaking down medical insurance benefits, eligibility, contributions, premiums, and all available options. Our goal is to simplify the insurance process and eliminate hassle to get you and your staff back to what matters – your business.
We offer group medical insurance that covers all types of clients. From groups of two people to companies that have thousands of employees, we will work hard to find what’s right for you. We work with a wide variety of group health insurance carriers as well as third-party administrators.
Among the products offered are preferred provider organizations or PPOs, which gives patients the flexibility to choose doctors and hospitals. Another choice is a managed care plan in which usually involves the insurer having a contract with specific health care providers and medical facilities to provide care for the insured. This practice usually lowers the costs of treatment.
Long Island Group Medical Benefits
Group insurance customers also might want to consider Health Savings Accounts. These are savings accounts that allow for tax free deposits. The money in the account can be set aside to pay off future health costs. Employers can give these as a benefit to employees and make contributions to the account.
Another tax saving account available to customers looking into group medical coverage is a Health Reimbursement Account. These are employer-funded plans that allow employees to be reimbursed for out of pocket health expenses.
Blair Insurance is a leader in helping our clients find stop loss insurance packages. Stop loss insurance is often used by employers that self-fund their medical plans. It can protect you from unforeseen medical loss. For example, if an employee unexpectedly needs to have extremely expensive major surgery, medical stop loss can protect your organization from catastrophic loss. If you purchase a stop loss insurance policy, you have the ability to set up pre-set limits for each policy year. If your health care costs exceed those limits, the stop loss carrier will step in and assume the liability.
A major factor in shopping for health care is finding a plan that’s a fit for your company or organization. Health care laws can apply one set of regulations for groups that have only a handful of employees, while large employers may be dealing with another set of regulations. Midsize companies of about 150 to 200 employees have to worry about keeping their business strong while paying health care rates they can afford. At Blair Insurance, we have an expertise in helping midsize employers understand their options and finding health care plans and medical insurance benefits that make sense for their organization. Contact us today to find out how we can help you.