Preferred Provider Organization (PPO)
Even though they usually come with higher monthly premiums, PPO plans give employees more freedom. Policyholders have the option to use out-of-network doctors and can see specialists without a referral, which makes it a good option for companies that want maximum provider choice.
Health Maintenance Organization (HMO)
With HMO insurance policies, employees typically need to stay in-network and get a referral to see a specialist. These plans tend to cost less month-to-month and have lower deductibles, but they keep care more structured.
Health Savings Account (HSA)
Eligible employees with Health Savings Accounts can put pre-tax money into the HSA to pay for qualified medical expenses. Unused funds can roll over year to year, which can help both employers and employees manage costs over time.
Indemnity Health Insurance
Indemnity plans allow the health insurance company to reimburse a set portion of covered services. The remaining payments are the employee’s responsibility. Indemnity coverage offers broad flexibility in choosing providers, but many employees pay more out-of-pocket compared to network-based healthcare coverage options.
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Why Augusta Businesses Can Trust BIS Benefits
Picking the best insurance coverage option can be stressful, especially for small businesses looking for effective group health plans. With so many other options to pick from, it can be difficult to know where to start. That's where our insurance agents come in.
BIS Benefits brings a personalized approach backed by years of expertise in the insurance industry. We work hand-in-hand with your business to find available plans that best fit your company goals, meet budget
requirements, and offer ongoing support. By managing the complex parts of insurance selection, we give small business owners the confidence that their company is fully protected and the time to focus on running their business.
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