Wednesday, July 23, 2008
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Group Major Medical

Group Major Medical is designed for employers who have as few as two full-time employees (listed on their quarterly tax and earnings statement) and may want to offer their employees a benefit plan. A percentage of premium is paid by the employer with the remaining percentage paid (through payroll pre-tax deduction) by the employee. Most employers will offer, at the minimum, medical coverage under an HMO (Health Management Organization) or PPO (Preferred Provider Organization) plan. Many Employers also provide provide a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) plans to help their employees contain health costs.

Dental, Vision, Short Term and Long Term (Disability) care are also sometimes offered. Many employers are surprised to learn how economical the STD and LTD coverage is in comparison to the benefits that are provided.

Plan Features

PPO Participants
Choose your own provider from an authorized network.
Choose to have services performed by a non-network provider as well.
Services rendered in-network with result in a higher available benefit.
 
HMO Participants
Elect a primary care physician who will direct and oversee all of your medical care.
Services rendered in-network will result in a higher available benefit.



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The above reflects a brief summary of the plan features available in the above program. Please refer to the full product description for complete details and plan imitations. Information provided here is for informational purposes only and does not constitute any obligation on the part of InsuranceLook.com. Individual policies may vary please consult with your broker about individual policies.
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