Contact Us: (716) 631-5033
Choice Employee Benefits Group LLC
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    • Group Benefits
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    • Disability Insurance
    • Discount Legal Services
    • ID Theft Protection
    • Employee Assistance Programs
    • Pet Insurance
  • About
    • Our Company >
      • Companies We Represent
      • Client Testimonials
      • Refer a Friend
      • Newsletter Signup
      • Careers
      • Privacy Policy
      • News
    • Resources >
      • Healthcare Reform Updates
      • Compliance Resources
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Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family or group is properly covered with health insurance premiums you can afford.

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What is Group Health Insurance?

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(716) 631-5033
490 Center Road
West Seneca, NY 14224
Click Here to Email Us
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 Licensed in New York and Tennessee

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Contact Us

Choice Employee Benefits Group LLC
490 Center Road
West Seneca, NY 14224
(716) 631-5033
Click Here to Email Us

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