Three Plan Options to Choose From
Choose from three major medical insurance plans designed to meet the diverse needs of your workforce. Whether you're looking for cost-effective coverage or comprehensive care, these plans offer the flexibility to match your healthcare needs, financial goals, and provider preferences, ensuring an optimal healthcare experience.
High Deductible Health Plan (HDHP) with HSA
The High Deductible Health Plan (HDHP) is a cost-effective option that offers significant savings through lower premiums. Once the deductible is met, the plan provides comprehensive coverage for medical services, including routine office visits, procedures, lab work, and prescriptions. Preventive care is fully covered even before the deductible is met, ensuring you and your employees stay healthy without added costs.
Health Savings Account (HSA)
A Health Savings Account (HSA) is paired with your HDHP, enabling you to save money tax-free for qualified medical, dental, and vision expenses. The funds in your HSA are yours to keep, even if you change plans or retire, and they roll over year after year, offering a flexible and long-term healthcare savings solution.
Preferred Provider Organization (PPO)
A Preferred Provider Organization (PPO) plan offers the flexibility to choose any in-network or out-of-network healthcare provider without needing a referral. After meeting your deductible, coinsurance takes effect, allowing shared costs between you and the insurance provider. This plan is ideal for those who prefer the freedom to select their healthcare providers while managing healthcare costs effectively.
