Preferred Provider Organization (PPO) Plans
PPO plans usually cost more each month, but they give employees more freedom. They can see specialists without a referral and can still use out-of-network providers when needed, which is a good fit for companies that want flexible coverage options.
Health Maintenance Organization (HMO) Plans
HMO plans tend to be lower-cost and may come with smaller deductibles, but they have stricter rules. Care is generally limited to in-network providers, and employees typically need a referral to visit a specialist. HMOs are often a good choice for businesses focused on keeping costs steady and predictable.
Health Savings Account (HSA) Plans
Health Savings Accounts let eligible employees contribute pre-tax money to an account they can use for qualified medical expenses. Unused funds roll over year to year, helping employees save for future healthcare costs while giving employers a cost-conscious plan structure.
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Find the Right Group Benefits & Commercial Insurance Additions
One of the best ways for a business to elevate its existing health insurance coverage is by offering additional types of group benefits or business insurance. BIS’s insurance brokers can guide Savannah-based businesses through available plans and help them find the coverage that meets their specific requirements.
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Workers’ Compensation, Commercial Insurance, and Employee Benefits? BIS Benefits is ready to help! Our expert brokers are friendly, knowledgeable, and ready to put together a custom quote for your business’s unique needs.
Questions?Get in touch with BISto learn more about our group health business insurance products.











