Small Group Health Insurance Plan
Get Quotes for a Group Health Plan - Group Health Insurance Plans
Any company with employees needs to consider offering a group health insurance plan as an employee benefit. A group health plan will help attract and retain top employees as most employees hold the availability of group health plans in high regard, second only to the amount they get paid. Small group health insurance plans are something that more and more employers are considering to be mandatory.
Finding and comparing the available group health care plans has never been easier when you use eHealthInsurance, the leading online source for small group health plans. Through their partnership with more than 180 health insurance carriers, offering over 10,000 health insurance products, eHealthInsurance allows you to quickly research and compare your group health insurance plan options by giving you FREE, no-obligation online quotes from leading insurance providers.
Small Group Health Insurance Plans
Small group health insurance plans fall into two categories - managed care plans and indemnity plans. Indemnity plans allow great freedom to pick your medical care providers, but this comes at a higher cost to plan participants, and greater work involved when filing a claim, which is why this group health plan type is becoming less popular.
There are three common types of managed group health plans, including:
- PPO or Preferred Provider Organization - This type of group health insurance plan lets you see whatever medical provider you wish without first needing a referral. There generally will be a deductible you need to meet on an annual basis, and you may be required to pay a percentage of the bill, though there are PPO plans that do not require this. A PPO gives you great flexibility, but generally costs more.
- HMO or Health Maintenance Organization - These group health care plans require you to pick a primary care physician who must refer you to any specialists you need to see. An HMO may not require an annual deductible and generally covers more preventive services than other plans, but does not usually pay for any out-of-network care you receive.
- POS or Point of Service - POS small group health plans blend PPO and HMO features. A POS requires you to choose a primary care physician, who then refers you to any specialists you need to see. You can see out-of-network providers with a POS group health plan, but such visits may have a deductible and higher out-of-pocket expenses.
Before settling on a group health insurance plan for your company, you need to figure out which type of small group health insurance plans offer the benefits you need at a price that is affordable. Use eHealthInsurance to compare group health plans to find the right coverage for you and your employees.
Getting Group Health Insurance Plan Quotes
It has never been simpler to get quotes for group health care plans than by using eHealthInsurance's unique online technology. Because they are a licensed insurance broker in all states, eHealthInsurance is able to assist you in selecting the right small group health plans for your situation. Once you get group health plan quotes from the provider you want to do business with, it is a simple process to apply for a plan online.
Receive your FREE, no-obligation group health insurance plan quotes from eHealthInsurance today!