Health Maintenance Organization (HMO)

With a Health Maintenance Organization plan, your employees must see doctors in your provider’s network. Their primary care physician will need to refer them to any specialist from whom they seek care.

Preferred Provider Organization (PPO)

In the Preferred Provider Organization, employees can seek care from any doctor they prefer. However, doctors outside of your provider’s network will most likely cost more. An added benefit is there are no referrals necessary to seek the care of a specialist.

Exclusive Provider Organization (EPO)

In the Exclusive Provider Organization, the only doctors available to your employees are those in your provider’s network, with the exception of emergency treatment. No referrals are needed to see specialists.

Yes. Here are some details on our vision & dental plans:

Dental

Your employees’ basic services will be covered with dental insurance, including teeth cleaning and x-rays, with the potential for other major services and surgeries to be covered depending on the plan you choose.

Vision

Vision insurance covers the cost of eye care through a premium payment. Vision insurance typically covers annual eye exams and, if necessary, eyewear for your employees.

Yes! You can have both to help pay for your medical expenses.

With our policies and bundles, your employees will be happier and healthier. When you offer health insurance, both you and your employees can save money. Employees can save 30-45% on insurance premiums, and you can save money through tax deductions and payroll taxes.