Preferred Provider Organization (PPO) Plans
PPO plans typically come with higher monthly premiums, but they give employees the freedom to see specialists without a referral and use out-of-network doctors. These plans work well for companies that want maximum provider choice.
Health Maintenance Organization (HMO) Plans
HMO policies tend to cost less month-to-month and have lower deductibles, but they keep care more structured. Employees usually need to stay in-network and get a referral to see a specialist. HMOs are a good fit for businesses that want more predictable costs.
Health Savings Account (HSA) Plans
Health Savings Accounts allow eligible employees to put pre-tax money into the HSA to pay for qualified medical expenses. Unused funds can roll over year to year, providing a flexible setup that can help both employers and employees manage costs over time.
Indemnity Health Insurance Plans
Under an indemnity coverage plan, the health insurance company reimburses a set portion of covered services and the employee is responsible for paying the remaining costs. Compared to network-based coverage options, these plans offer broad flexibility in choosing providers, but employees often must pay more out-of-pocket.
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Find Additional Group Benefits & Commercial Insurance Plan Options
At BIS Benefits, we believe that offering additional types of group benefits and business insurance is one of the best ways to build on your company’s existing health insurance coverage.Our licensed professionals can help Athens businesses understand available plans to find the right insurance coverage for their company.
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Business Insurance, Employee Benefits, and Workers’ Compensation? Our health insurance brokers are ready to help! The friendly and knowledgeable team at BIS Benefits is prepared to put together a custom quote for your unique needs.
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