Health Benefits That Fit Your Business

We help you navigate the options and find the perfect plan.

Find affordable, high-quality health coverage for your employees. Learn more about our plan options and request a quote from one of our partnered agents.

Health Maintenance Organization (HMO)

A Health Maintenance Organization (HMO) is a type of health insurance plan that requires members to receive care through a network of designated providers and typically needs a referral from a primary care physician to see a specialist. HMOs often have lower premiums and out-of-pocket costs, but they restrict coverage to providers within the network except in emergencies, emphasizing preventive care and cost management.

Preferred Provider Organization (PPO)

A Preferred Provider Organization (PPO) is a type of health insurance plan that offers more flexibility by allowing members to see any healthcare provider, with lower costs when using providers within the plan’s network. Unlike an HMO, a PPO does not require referrals to see specialists, making it convenient for members seeking a wider range of care options.

Health Reimbursement Account (HRA)

A Health Reimbursement Account (HRA) is an employer-funded benefit plan that reimburses employees for eligible healthcare expenses, such as medical costs and insurance premiums. The reimbursements are tax-free to employees, and the employer determines which expenses qualify, making it a flexible and valuable component of a benefits package.

Health
Savings
Account (HSA)

A Health Savings Account (HSA) is a tax-advantaged savings account that individuals with high-deductible health plans (HDHPs) can use to pay for qualified medical expenses. Contributions are tax-deductible, grow tax-free, and can be withdrawn tax-free for eligible expenses, making it a valuable tool for managing healthcare costs and saving for future medical needs.

Our partnered health insurance specialists can help you find affordable, high-quality health insurance for your employees. View our list of agents and reach out today!

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