Preferred Provider Organization (PPO) Plans
A PPO plan allows policyholders to visit out-of-network doctors and see specialists without a referral. They usually come with higher monthly premiums, but PPOs give employees more freedom and are a good plan for companies that value provider choice.
Health Maintenance Organization (HMO) Plans
Employees with an HMO insurance policy usually have to use in-network doctors and get a referral to see a specialist. These structured plans often cost less month-to-month and have lower deductibles. For businesses looking for predictable expenses, HMOs can be an attractive option.
Health Savings Account (HSA) Plans
Health Savings Accounts allow eligible employees to put aside pre-tax money to pay for qualified medical expenses. Unused funds can roll over to the next year, which helps both employers and employees manage healthcare costs.
Indemnity Health Insurance Plans
Under an indemnity plan, health insurance companies reimburse a set portion of covered services. The remaining payments are the employee’s responsibility. Indemnity coverage offers broad flexibility in choosing providers, but out-of-pocket costs are often higher compared to network-based options.
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Why Columbus Businesses Trust BIS Benefits
It can be difficult to choose the right insurance plan, especially for small businesses looking for the most effective coverage for their company. With HMOs, PPOs, and many other health plan options available, it can be hard to know where to start. That's where BIS comes in.
Our insurance agents offer a personalized, hands-on approach that is backed by years of insurance industry experience. BIS will explore different plans and help you find healthcare coverage that fits your company’s goals, budget requirements, and employee needs. We manage the complex parts of insurance selection to give small business owners the confidence to focus on running their business.
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Workers’ Compensation, Business Insurance, and Employee Benefits? We are here to help! BIS Benefits’s friendly and knowledgeable insurance brokers are prepared to answer your questions and put together a custom quote for your business. Get in touch today to learn more about our group health and business insurance products.











