Discover the power of group major medical plans.
Your pathway to comprehensive healthcare coverage designed for employees and their families. These plans aren’t just a benefit; they’re a smart investment in well-being, offering robust coverage at a more affordable rate than individual plans.
Why Choose Group Coverage?
- Cost Savings: Enjoy lower premiums thanks to shared employer contributions and risk pooling.
- Comprehensive Care: Access a full spectrum of essential health benefits, from doctor visits and prescriptions to hospital stays and preventive care.
- No Pre-existing Condition Worries: Under ACA guidelines, these plans offer guaranteed coverage, regardless of past health.
- Attract & Retain Talent: For businesses, offering top-tier health benefits is key to building a strong, loyal team.
Common Plan Types & Funding Options
Group major medical plans offer flexibility to meet diverse needs:
- PPO (Preferred Provider Organization): Offers flexibility to choose your doctors, in or out of network.
- HMO (Health Maintenance Organization): Typically lower costs with a defined network and primary care physician.
- HDHP (High-Deductible Health Plan): Features lower monthly premiums, often paired with an HSA (Health Savings Account) for tax-advantaged savings on medical expenses.
Beyond these traditional fully insured options (where an insurer takes on all risk for a fixed premium), many employers are also exploring self-funded group plans.
- Self-Funded Advantage: With self-funding, employers pay for healthcare claims directly, offering greater control over plan design and the potential for significant savings when claims are lower than expected.
- Risk Protection: To manage potential high costs, self-funded plans often include stop-loss insurance, providing a safety net for catastrophic claims. Administrative services are typically handled by a Third-Party Administrator (TPA).
Group major medical plans, in all their forms, are more than just insurance; they’re a foundation for a healthier, more secure future for everyone involved.
Let’s Get Started
Group Major Medical Quote Request
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