Group Health Insurance Plans
There is a lot of competition out there among Texas businesses for top employees. It is no secret that the health insurance plan offered by an employer is often the deciding factor for someone trying to figure out which company to work for. Dean & Draper Insurance Agency wants to make sure your company attracts and retains the best employees Texas has to offer and therefore proudly offers a variety of group medical insurance packages designed to just that.
There are numerous group health insurance plans available to Texas businesses & companies across the country. These include:
Preferred Provider Organization (PPO) Plans
A PPO is one of the most familiar styles of group health insurances offered to Texas businesses. With a PPO, your employees have a network of healthcare providers from which to choose. Although the option of seeing a physician outside the network is available, choosing a doctor within their network will save your employees more money.
Health Maintenance Organization (HMO) Plans
An HMO differs from a PPO in that employees must only see physicians within their network.
Point of Service (POS) Plans
A POS group health plan is sort of the middle ground between the rigid HMO and the flexible PPO. As with an HMO, employees choose a primary physician, but like a PPO, a POS plan allows them to see physicians outside the plan's network as well.
Health Savings Account (HSA) Plans
With an HSA plan, your employees deduct a tax-free portion of their paychecks to a savings account, whose funds roll over from year to year if not used. These funds can be used for almost any medical care services they require.
The appeal of a cafeteria plan is that it allows individual employees to decide exactly where they'd like their healthcare benefits to go. For example, if they have a child with braces, they may opt for more dental coverage. On the other hand, if they are in a dangerous, accident-prone profession, they may decide to spend their benefit money on accident or life insurance.
Get Started with Your Group Health Insurance Plan
The health insurance agents at Dean & Draper have the same goal as you: to find an affordable group health insurance plan for your business that gives your valued employees the medical care coverage they deserve. As a nationally rated insurance company, we proudly offer group health insurance benefits to businesses in Houston, TX and throughout the United States.
To help us provide you with a quote on group health insurance for your Texas business, please download and complete our Texas Group Health Insurance Census.
For more information, please call 1 (888) 266-2680 or (713) 527-0444 to speak to a Dean & Draper representative.