Preferred Provider Organization (PPO) Plans
PPO plans come with higher monthly premiums but offer significant flexibility when selecting healthcare providers. Policyholders can visit specialists and out-of-network physicians without requiring a referral, making PPOs an excellent choice for companies that prioritize provider freedom and choice.
Health Maintenance Organization (HMO) Plans
HMO plans deliver a more budget-conscious approach, with lower premiums and reduced deductibles. However, coverage is restricted to in-network providers, and specialist visits typically require a referral. They fit businesses looking for predictable healthcare expenses and cost control.
Health Savings Account (HSA) Plans
HSA-qualified plans pair high-deductible health insurance with a Health Savings Account, enabling eligible employees to contribute pre-tax funds toward qualified medical expenses. HSA-qualified plans provide valuable flexibility and create opportunities for long-term savings that benefit both employers and their workforce.
Indemnity Health Insurance Plans
Indemnity plans offer the greatest freedom in choosing healthcare providers. Under this structure, the insurance company reimburses a fixed percentage of medical costs while the employee pays the balance. Though these plans provide unmatched flexibility, they often come with higher out-of-pocket costs for employees.
Speak to us about our expert insurance brokerage services
Allow BIS to aggressively shop the market to get you the most competitive rates.
Why Businesses in Cumming Can Trust BIS Benefits
Choosing the right insurance coverage can be daunting, especially for small businesses working to create an effective group health plan. Between PPOs, HMOs, and many other options, knowing where to begin isn't easy. That's why BIS Benefits is here to help.
Our Atlanta-based brokers bring a personalized, hands-on approach backed by years of industry expertise. We work closely with your company to find healthcare coverage that aligns with your goals, fits your budget, and meets your employees' needs. By managing the complexities of insurance selection, we free you to focus on what matters most—running your business with confidence that your team and company are well protected.
What Our Clients Say
Interested in our benefits?
Get a Free Quote From BIS Benefits
Employee Benefits, Business Insurance, and Health Savings Accounts? We're here to help! BIS’s health insurance brokers are friendly, knowledgeable, and prepared to put together a custom quote for your available insurance plans.
Have questions for us?
Give us a call today to learn more about our business insurance products!










