Pennsylvania Group Health Insurance Info
1 Stop Benefits, Inc. of Yardley, PA has created a strong
relationship with some of the finest insurance carriers
serving Pennsylvania and the northeast U.S., while
maintaining our primary focus of serving the employer's
needs. Using our ideas unlocks savings while reducing
time spent on administration. Nine out of ten groups we
analyze save thousands with no loss of material benefits.
Our office caters to groups with 2 to 250 employees.
However, our one-on-one dedicated enrollers can handle
any size group.
Most Pennsylvania small business 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.
As the cost of health care continues to increase at a
rate much faster than inflation, many large employers
and small businesses in Pennsylvania choose to have
their employees make a contribution towards the cost
of health insurance coverage.
We are a Yardley, PA insurance agency offering affordable Pennsylvania group health
insurance policy coverage to mid-sized, large, and small business in the following towns,
cities and counties in Pennsylvania: Philadelphia, Bridgewater, Croydon, Bensalem,
Nottingham, Edgely, Newportville, West Bristol, Strafford, Devon, Berwyn, Port Kennedy,
Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown, Westtown, Trainer,
Marcus Hook, West Chester, Lancaster, York, Reading, Bethlehem, Pottstown,
Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern,
Green Tree, Paoli, Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs,
Audubon, Eagleville, Evansburg, Worcester, Blue Bell, Center Square, Fort Washington,
Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove,
Warrington, Morrisville, Ambler, Lower Gwynedd, Washington Crossing, New Hope,
Richboro, Feasterville, Southampton, Langhorne, Holland, Newtown, Emmanus, Hellertown,
Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville, Catasauqua, Walbert,
Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North Catasauqua,
Stroudsburg, King of Prussia, Springfield, Woodlyn, Chester, Norwood, Ridley Park,
Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper Darby,
Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim Gardens,
Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood, Milbourne, Havertown,
Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley, Bala-
Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills,
Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport, Norristown,
Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North Hills,
West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside,
Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown,
Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington,
Feltonville, Frankford, Olney, Andalusia, Cornwells Heights, Bucks County, Philadelphia
County, Delaware County, and Montgomery County, PA. We can also offer group health
insurance services to small business throughout New Jersey, including in Ewing, White
Horse, Mercerville, Hamilton Square, Slackwood, Lawrenceville, Ewingville, Bakersville,
Bordentown, Princeton, Camden, Trenton, Hunterdon County, Mercer County, and
Burlington County, NJ.
Learn more about the other types of Pennsylvania Group Health Insurance we
can offer your small business by clicking on a link below!
PPO Insurance Plan (Pennsylvania Group Health Insurance)
A PPO group health insurance plan is recommended for a Pennsylvania 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.
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 Pennsylvania PPO network, however, your employees portion of the
costs will be higher.
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 Pennsylvania
PPO health insurance plan.
Click on the link below to fill out a secure quote request form for a Pennsylvania
group PPO health insurance plan that regardless of whether you're a large
employer or a small business, will provide cheaper, comprehensive health
insurance coverage for your businesses most important asset...your employees.
Or you can speak with our Pennsylvania Small Group Health Insurance specialist
toll free at 800-662-3982 to discuss the policy features in more detail.
Also, self funding the Prescription Drug portion of the
Group Health Plan can potentially result in substantial
health insurance cost savings. Contact us for
information and to setup a self funded prescription
drug plan.
Managed Care vs. Fee-for Service
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.
Learn more about the types of Group Health
Insurance plans we can offer your Pennsylvania
business by clicking on a link below!
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
Pennsylvania small business needs to review their employee benefit
health insurance plan to ensure that this major expense continues to
offer the highest quality group health insurance.
Click on the link below to fill out a secure quote request form for a
Pennsylvania small group health insurance plan that regardless of
whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses
most important asset...your employees. Or you can speak with
our Pennsylvania Group Health Insurance specialist toll free at
800-662-3982 to discuss the policy features in more detail.
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.
Pennsylvania 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.
Fee-for-Service health insurance coverages for employer sponsored employee
benefits in Pennsylvania typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your Pennsylvania business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Fee-for-Service Pennsylvania group 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.
Click on the link below to fill out a secure quote request form for a Pennsylvania
Fee-for-Service (Major Medical) group health insurance plan that regardless of
whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important
asset...your employees. Or you can speak with our Pennsylvania Group Health
Insurance specialist toll free at 800-662-3982 to discuss the policy features in
more detail.
Managed Care:
Fee-for-Service:
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Fee-for-Service:
Managed Care:
HMO Insurance Plan (Pennsylvania Group Health Insurance)
An HMO group health insurance plan helps your Pennsylvania 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.
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.
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
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.
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
Pennsylvania HMO health maintenance plan.
Learn more about the other types of Pennsylvania Group Health Insurance we
can offer your small business by clicking on a link below!
Managed Care:
Fee-for-Service:
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Pennsylvania Group Health Insurance)
A POS or Point-of-Service group health insurance plan allows your Pennsylvania
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.
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 Pennsylvania POS health
insurance plan.
Learn more about other types of Pennsylvania Group Health Insurance we can
offer your business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a secure quote request form for a Pennsylvania
group HMO health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health insurance
coverage for your businesses most important asset...your employees. Or you can
speak with our Pennsylvania Small Group Health Insurance specialist toll free at
800-662-3982 to discuss the features in more detail.
Click on the link below to fill out a secure quote request form for a Pennsylvania
group POS health insurance plan that regardless of whether you're a large employer
or a small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or you can speak with our
Pennsylvania Group Health Insurance specialist toll free at 800-662-3982 to discuss
the policy features.
Managed Care:
Learn more about other types of Pennsylvania Group Health Insurance we can
offer your business by clicking on a link below!
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Pennsylvania
Business Insurance
Group Health
Insurance
1 Stop Benefits, Inc.
1546 Old Farm Court
Yardley, PA 19067
Bucks County, Pennsylvania
Toll Free: (800) 662-3982
Secure Fax: (888) 662-3920
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