Different Business Health Coverage Types
Preferred Provider Organization (PPO) Plans
PPO plans often come with higher monthly premiums since they allow employees to see specialists without a referral and visit out-of-network doctors. These insurance plans are a good fit for companies looking for maximum provider choice.
Health Maintenance Organization (HMO) Plans
Typically having lower deductibles and lower monthly costs, these structured plans require employees to stay in-network and get a referral to see a specialist. HMO policies can be an attractive option for businesses looking for predictable costs.
Health Savings Account (HSA) Plans
Health Savings Accounts offer a flexible setup that helps employers and employees manage long-term costs. Eligible employees can put pre-tax money into the HSA to pay for qualified medical expenses, and any unused funds roll over to the next year.
Indemnity Health Insurance Plans
An indemnity coverage plan requires employees to pay the remaining costs after the health insurance company reimburses a set portion of covered services. Indemnity plans offer more healthcare provider flexibility compared to network-based coverage options, but employees often have to pay more out-of-pocket.
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At BIS, we believe that it’s important for businesses to build on existing health insurance plans by offering additional types of group benefits. Our benefits brokers can help businesses in Snellville find the right health insurance coverage for their unique needs.

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