People Also Ask

Am I able to get a PPO on an employer group health policy?

In most all cases, yes. Network availability is based on the area in which you are seeking health insurance, but with group health policies in Texas, you can obtain a PPO, HMO, EPO or a POS.

Are group health insurance policies complaint with the Affordable Care Act?

While you can obtain a plan that is not compliant, it’s generally not a good idea. Your employees will expect that they will have the protections of the Federal ACA law and those will primarily include maternity coverage, coverage for all pre-existing condition and free preventative care along with the 10 essential health benefits of the ACA. Offer any thing else and your employees will not look favorably on management.

Our business has 75 employees, some in States other than Texas. Can you help us?

Yes, we certainly can help as a good portion of our Texas group health insurance clients have a presence in other States. While your company may be domiciled here, it’s very common to have staff in other areas of the U.S. Those employees will have access to additional plan designs, but still be under the umbrella of your employer group health plan.

Can my employees visit any doctor they choose?

That will largely depend on the network of plans you offer your employees. With any plan or network, you need to stay in the network of your chosen plan to reap the most benefits of said plan; the main benefit being contracted or discounted rates with the network that you wouldn’t otherwise have access to. The deepest network discounts normally apply toward PPOs, so it’s a good idea to offer at least one PPO options for staff.

Can I form a group insurance plan anytime I like?

There is no “open enrollment” for group health insurance. You can form these plans anytime throughout the year and your renewal date will be 12 months after the effective date of the plan.

Our current Broker just keeps telling us to renew my company’s plan year after year. Should I shop around?

You definitely should shop around. A lazy health insurance broker is a bad broker. We shop every single group health customer every year are renewal. We don’t just put that effort to obtain you as an initial client, we go the extra mile year after year to make sure you and your employees have the absolute best benefits at the best price at all times.

My friend runs a company and uses a particular carrier. Should I just use what they have to make life easy?

Your organization may have different needs than that other company and as such, you’ll want to custom tailor your plan for your company and your employees. We do not place similar companies of a similar size using a one size fits all approach. Each client we work with will have an employee benefits package that fits exactly what they need. There may be some overlap, but in general, no two companies are the same and have the same needs.

I’m looking for group health, dental, vision, disability and life insurance package for my company. Is that something you can handle?

This is a very common request and we can easily stack these benefits to custom build exactly what you need. We use a consultative approach to find the best plan for your needs and then shop and negotiate with every credible carrier to deliver the best combination of employee benefits for your organization.

We currently use a PEO that bundles our benefits. It’s easy, but is this the best approach?

The short answer is no. When you use a PEO for payroll, health insurance, etc., you are assuming that they are experts in every area that you need to focus on. For example, a very large payroll company may be experts in payroll, but they are likely offering you a non-underwritten group health/dental/vision package that is priced quite a bit higher than what you should be paying for an underwritten package. By offering this to your employees, you are assuming a one size fits all approach is the best you can get for your business. Reach out to us and we’ll show you how truly flawed that approach really is.

I reached out to various group health insurance carriers directly, but this seems very complicated. Can you help me?

Please stop trying to do this alone. We wouldn’t think to go into your industry and expect to know everything about what you do. Since there is no cost to using a solid Broker, there is no downside. We have contracts with every reputable insurance carrier in the State and can even negotiate on your behalf to obtain the best possible out come on rates and benefits, That’s something that would be nearly impossible to accomplish on your own.

We’re Here To Help You!

If you have any questions or concerns about our services, our dedicated support team is here to help. Your information is protected under our HIPAA security system, as your confidentiality is our commitment. We can trust that your communication with us is both confidential and secure. Contact us today and experience peace of mind along with top-notch service.