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6080 Jericho Tpke, Ste. 305, Commack, NY 11725

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Group Health Insurance - Medical Insurance               

                                                                                          

 

Group health insurance is often the foundation employee benefit program. Often the most expensive component, it is becoming more common for organizations to change their insurance carriers periodically as people do with auto insurance. In response to this trend, the carriers are designing plans that shift more of the cost to the participants (cost-shifting plans). This paradigm increases the need for multi-option plans that offer higher benefits, usually to those in management, and lower benefits for the general employees or those that choose the insurance as catastrophic coverage or for those that cannot afford higher coverage. In addition to the increasing demand for cost-shifting plans, many organizations are now passing more of the expense of the premium to their employees. Hence, the need for the group to implement cafeteria plans, section 125's, etc. are becoming more popular as these IRS filings offer tax advantages to the group and to the member or employee. Due to the complexity of products and the infinite combinations of plan designs, creating a program appropriate to the organizations needs at a good value requires a certain level of expertise and more importantly a human approach.

 

We at The Haberman Group, Inc. try to fulfill the needs of the group first, thus we recommend the plans that offer the greatest value to its members and the sponsoring organization.


If your organization is looking for a new plan to replace its current or have our agency service your existing account, our experienced staff will provide the support and tools needed to effectively manage these increasingly complex plans. We are paid by the carrier a servicing commission which usually remains at a fixed percentage rate for the life of the business, thus our goal is to provide the highest quality service long after the account is written. We have grown our business one client at a time, and realize how important each client is to us.     

 

Choosing the Right Plan
 

There are many types of health insurance products such as HMO's, EPO's, Point-of-Service plans, PPO's, and traditional indemnity plans. Understanding the complex nature of these plans and how the coverage's affect the group requires a certain level of expertise. In addition, adapting the plans to the needs of the members requires a human approach, one that is derived from years of experience based on the feedback obtained from other clients. We never sell our products solely based on price unless cost is paramount to the group. We examine all aspects of the group needs, such as the network of providers, the coverage's offered, the reputation of the carrier, and the value to the group. Our dedicated trained representatives take great pride in their product knowledge and their ability to customize a package appropriate to the organization.

We offer programs that can either be comprehensive in coverage or only offer catastrophic protection. Many of our carriers or associations that offer coverage will write groups down to one life. For larger companies we offer self funded, fully insured, or plans that combine the best of both. We can assist with the implementation and administration of complex cafeteria plans to simple premium only plans (Sec. 125). To understand the basics of some various types of plans, following is a list of the most popular types and a brief explanation of the coverage's:

 

 

 

 

Related Terms

 

Major Medical Insurance

 

Health Care

 

Managed Care Plans

 

Wrap Around

 

Hospitalization

 

Point of Service

 

HMO - EPO - POS - PPO

 

 

Carriers We Represent

 

 

Oxford Health Plans

 

United Healthcare

 

Empire Blue Cross Blue Shield

 

Emblem Health GHI HIP

 

Aetna Cigna Anthem Horizon

 

Atlantis LIA HealthPass

 

 

 

 

VIDEO: Stop / Play  Small Employers & the Affordable Care Act

 

Health Insurance Plans We Offer