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Group Health Insurance
Group health insurance is something employees are looking for from the moment they apply within your company. If you don't offer a health plan, there's a good chance the employees you want to hire won't accept your offer. With the cost of health care these days, you can't blame them for looking out for themselves and their family members. At GroupHealthBid, we want to help you find the group health insurance that's affordable for you and provides an acceptable level of coverage for your valued employees. You'll need to choose between offering your group an HMO plan or a PPO plan (or both, if your budget allows). What are the merits and shortcomings of choosing a managed care plan? The most obvious benefit of HMOs is that your overall costs will be lower. Your employees will have lower monthly premiums, lower deductibles, and smaller co-pays for office visits. The catch? You and your employees will be limited to one network of physicians. However, HMO plans are affordable and very convenient for those who rarely need urgent care or do not have chronic health care needs. The alternative is a PPO, which lets you choose doctors out-of-network. Having a greater choice may relieve many of the disadvantages of HMOs, namely denied claims, difficulty in seeing a doctor in a timely fashion, and access to home medical aids. Group health insurance PPOs will cost both you and your employees more money monthly, and the deductibles are much higher. But, in this case, you get what you pay for: greater physician flexibility and speedier care. Your best weapon in choosing the right group health insurance plan is information. That's why GroupHealthBid lists all applicable facts and figures about each plan you are considering. We want you to offer the best plan to your group, so we make it as easy as possible for you to compare your choices before you apply. |
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