Preferred Provider Organization (PPO) Plans
Even though they have higher monthly premiums, PPO plans offer significant flexibility. Policyholders can visit specialists and out-of-network physicians without requiring a referral, making PPOs an excellent choice for companies that prioritize healthcare provider freedom and choice.
Health Maintenance Organization (HMO) Plans
HMO plans are more budget-conscious, offering lower premiums and reduced deductibles. However, this coverage is restricted to in-network providers, and specialist visits typically require a referral. These fit businesses looking for predictable expenses.
Health Savings Account (HSA) Plans
These flexible plans combine high-deductible health insurance policies with
Health Savings Accounts, allowing eligible employees to contribute pre-tax funds toward qualified medical expenses. HSA-qualified plans provide opportunities for long-term savings that benefit both employers and employees.
Indemnity Health Insurance Plans
Under an indemnity plan, the insurance company reimburses a fixed percentage of medical costs while the employee pays the balance. Though these plans provide unmatched flexibility in choosing healthcare providers, they often come with higher out-of-pocket costs for employees.
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Why Sandy Springs Businesses Can Trust BIS Insurance Brokers
For small businesses working to create an effective group health plan, choosing the right insurance coverage can be daunting. With PPOs, HMOs, and many other options to pick from, knowing where to start isn't easy. That's where our Atlanta-based brokers come in.
BIS Benefits brings a personalized, hands-on approach backed by years of industry expertise. We work closely with your business to find healthcare coverage options that align with company goals, fit budget requirements, and meet employee needs. By managing the complexities of insurance selection, we free small business owners to focus on what matters most—running the business with confidence that the company and its team members are protected.
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Employee Benefits, Workers' Compensation Insurance, and Group Health Business Insurance? Our health insurance brokers are here to help! The BIS team is friendly, knowledgeable, and ready to put together a custom quote for your available insurance plans.
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