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New York Group Employee Health Insurance Information
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Insurance Plus has created strong relationships with many of the finest
insurance carriers serving New York, while maintaining our primary focus of serving the employer's needs. |
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Most small businesses offering their employees Group
Health insurance plans contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for single coverage) and have the employees pay the premium if they need coverage for their families. Other small businesses pay a percentage of the total health insurance premium cost. |
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As the cost of health care continues to increase at a
rate much faster than inflation, many large employers and small businesses in New York choose to have their employees make a contribution towards the cost of health insurance coverage. |
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Insurance Plus
15 W. Main Street
Oyster Bay, New York 11771
(516) 922-1200
(212) 268-4473
Fax: (516) 922-5900
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"Your Long Island, NY
Small Business Group
Employee Health
Insurance Agent"
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Personal Insurance
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Employee Benefits
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Resource Center
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New York Group Employee Insurance Specialists
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Built & Maintained by InsuranceWebsiteServices.com
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Managed Care vs. Fee-for Service
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The health insurance plan that works best for your
business is determined primarily by your location, the physicians and hospitals available through the health insurance plan, options offered by each insurance plan, and what your budget can accept. |
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Learn more about the types of Group Employee
Health Insurance Plans we can offer your New York business by clicking on a link below! |
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Managed Care:
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Fee-for-Service:
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Employee benefits are an important factor to any
business in hiring and retaining a good work force. We can provide assistance to your benefit administrator in answering employees questions and requests pertaining to health insurance for groups of 20 or more. Every business needs to review periodically their employee benefit health insurance plan to ensure that this major expense continues to offer the highest quality group health insurance. |
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Click on the link below to fill out a quote request
form for a group employee health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York business. Or speak with one of our New York Group Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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PPO Insurance Plan (Group Employee Health Insurance - New York Business )
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A PPO group health insurance plan is recommended for a New York business desiring to
offer their employees convenient access to quality medical care with effective medical management, a large and diverse network of primary care physicians, medical specialists, hospitals and clinics. |
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An employee can see any health care professional in the network any time they choose
to make an appointment. They don't need referrals for specialists or other services as required in an HMO. An employee can see doctors or specialists outside your PPO network, however, your employees portion of the costs will be higher. |
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An employee may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a PPO health insurance plan. |
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Click on the link below to fill out a quote request form for a PPO group employee
health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York business. Or speak with one of our New York Group Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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* Convenient access to quality medical care for employees
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* Large and diverse network available of primary care physicians, specialists,
hospitals & clinics. |
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Fee-for-Service:
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Managed Care:
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Learn more about the other types of New York Group Health Insurance Plans
we can offer your Long Island business by clicking on a link below! |
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HMO Insurance Plan (Group Employee Health Insurance - NY Business)
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An HMO group health insurance plan helps your New York business control
health care costs through a closely managed plan with an emphasis on preventive care. Each employee selects a Primary Care Physician from a network of providers. The Primary Care Physician can coordinate the total care of the employee to help ensure appropriate care is received. An employee may also seek care from any provider in the network without a Primary Care Physician referral, subject to a higher out-of-pocket expense. |
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Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list of participating doctors. That doctor is used for typical circumstances such as annual exams and usual health issues. If the employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will refer them to a provider or facility within the HMO system. Your employees doctor must give authorization for those services to be covered by your HMO. In other words, an employee must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit themselves. |
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* Preventive care emphasis
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* Primary care physician coordinates the total care of the employee
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Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
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An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in an HMO health maintenance plan. |
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Click on the link below to fill out a quote request form for an HMO employee
health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York business. Or speak with one of our New York Group Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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Managed Care:
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Fee-for-Service:
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Learn more about the other types of New York Group Health Insurance Plans we
can offer your Long Island business by clicking on a link below! |
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Insurance Plan (Group Employee Health Insurance - NY Business)
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A POS or Point-of-Service group health insurance plan allows your New York
employees the option of accessing any medical provider without a primary care physician referral and receive the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers closely managed benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a lower level than for in-network care. |
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Costs that exceed the deductible are covered by a co-insurance plan in which your
employee and the insurance company share the cost for services covered by the policy. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a POS health insurance plan. |
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Click on the link below to fill out a quote request form for a POS employee health
insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York business. Or speak with one of our New York Group Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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Fee-for-Service:
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Managed Care:
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Learn more about the other types of New York Group Health Insurance Plans
we can offer your Long Island business by clicking on a link below! |
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Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible. Once the deductible is met, this type of group health insurance plan will pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you're responsible for paying the other 20%, which is known as co insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
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Fee-for-Service group health insurance allows your employee to choose their
doctor and any hospital for their medical services. Usually, an employee will have a deductible such as $500 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
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Fee-for-Service health insurance coverages for employer sponsored employee
benefits in New York typically offer the following: |
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* Employers and employees share premiums
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* Employees have the freedom to choose any provider
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* Insurance company pays the allowable claim
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Fee-for-Service plans also offer some Managed Care type of insurance options
that can assist your New York business in reducing employee benefit costs. |
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* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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Fee-for-Service employee health insurance coverages offer more choice of
doctors (including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care health plans, such as HMO, PPO, and POS. Fee-for-Service employee health insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan in New York. |
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Click on the link below to fill out a quote request form for a Fee-for-Service
group employee health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York business. Or speak with one of our New York Group Health Insurance agent specialist at 516-922-1200 or 212-268-4473 to discuss the features. |
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Learn more about the other types of New York Group Health Insurance Plans
we can offer your Long Island business by clicking on a link below! |
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Managed Care:
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We are your local Long Island insurance agency, offering affordable Group
Employee Health Insurance plan services to businesses in the following New York City area cities and counties: Oyster Bay, Huntington, Glen Cove, Port Washington, Roslyn, Syosset, Jericho, East Hills, Great Neck, South Huntington, Melville, Pinelawn, Farmingdale, Bethpage, Levittown, Lindenhurst, Babylon, Bay Shore, Islip, Northport, Hicksville, Westbury, Mineola, Garden City, Long Island City, Manhasset, Massapequa, Freeport, Lynbrook, Rockville Centre, Hempstead, Elmont, Valley Stream, Long Beach, Oceanside, Amityville, Merrick, Bellmore, Jamaica, Brooklyn, Bronx, Flatbush, Queens, Astoria, and everywhere else in Nassau County, Queens County, Kings County, New York County, Bronx County, Westchester County, and Suffolk County, NY. |
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