Houston, TX Group Health Insurance
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.
As the cost of health care continues to increase at a rate much
faster than inflation, many large employers and small businesses
in the Houston, TX area choose to have their employees make a
contribution towards the cost of health insurance coverage.
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 Houston, TX 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 Texas 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
Houston, TX 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. An insurance agent in the
Houston, TX area will contact you.
HMO Insurance Plan (Group Health Insurance - Houston, TX Area Business)
An HMO group health insurance plan helps your Houston, TX 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.
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 Houston, TX HMO
health maintenance plan.
Click on the link below to fill out a secure quote request form for a Houston,
TX 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. An
insurance agent in the Houston, TX area will contact you.
Learn more about the other types of Texas Group Health Insurance we can offer
your Houston, TX area business by clicking on a link below!
Local Houston, Texas area insurance agents offering comprehensive group health insurance
plan services to businesses in the following cities and counties: Pasadena, Deer Park,
Pearland, Galena Park, Jacinto City, La Porte, Bellaire, West University Place, North
Houston, Cloverleaf, Beaumont Place, Spring Valley, South Houston, Hilshire Village,
Humble, Houmont Park, Friendswood, League City, Alvin, Mission Bend, Sugar Land,
Stafford, Missouri City, Texas City, Webster, Dickinson, Baytown, Channelview, Highlands,
Seabrook, Bacliff, La Marque, Jersey Village, Town West, Westfield, Kingwood, Spring, The
Woodlands, Liberty, Conroe, Tomball, Hempstead, Galveston, Crystal Beach, Lake Jackson,
Algoa, Santa Fe, Juliff, Arcola, Needville, Katy, Dayton, Angleton, Beaumont, Port Arthur,
Bammel, Kohrville, Manvel, Bay City, Beasley, Rosenberg, Richmond, Orchard, Fulshear,
Brenham, Addicks, Brookshire, San Felipe, Hockley, Prairie View, New Caney, Beach City,
Nassau Bay, Harris County, Fort Bend County, Brazoria County, Galveston County,
Montgomery County, and Liberty County, TX.
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Business Insurance
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Managed Care:
Fee-for-Service:
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PPO Insurance Plan (Group Health Insurance - Houston, TX Area Business)
A PPO group health insurance plan is recommended for a Houston, TX 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 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 Houston, TX PPO
health insurance plan.
* 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:
Learn more about the other types of Texas Group Health Insurance we can offer
your Houston, TX area business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a Houston, TX
group PPO 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. An
insurance agent in the Houston, TX area will contact you.
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* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
Managed Care:
Fee-for-Service:
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* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Group Health Insurance - Houston, TX Area Business)
A POS or Point-of-Service group health insurance plan allows your Houston, TX
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 Houston, TX
POS health insurance plan.
Learn more about the other types of Texas Group Health Insurance we can offer
your Houston, TX area 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 Houston, TX
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. An
insurance agent in the Houston, TX area will contact you.
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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.
Houston, TX area 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 Houston, TX 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 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 in the Houston, TX
area.
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your Houston, TX business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Click on the link below to fill out a secure quote request form for a Houston, TX
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. An insurance agent in the Houston, TX area will contact you.
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Managed Care:
Learn more about the other types of Texas Group Health Insurance we can offer
your Houston, TX area business by clicking on a link below!
Insurance Agents in the Houston, TX Area
Houston - Pasadena - Sugarland - Pearland - Baytown - Deer Park - La Porte - Humble - Missouri City & more
CITY INSURANCE AGENTS
Group Health Insurance
Coady & Lewis Associates
(281) 286-6060
2323 Clear Lake City Blvd. Suite 120
Houston, Texas
Barhorst Agency
(713) 863-7542
3700 North Main, Houston, Texas
Houston, TX Insurance Agents
Barhorst Agency
(713) 856-5533
8220 Jones Road, Houston, Texas
Coady & Lewis Associates
(281) 956-1052
One Greenway Plaza, Suite 100
Houston, Texas
Agency Yu (713) 681-8881
Danish Insurance Services (713) 789-9200
Houston Area Insurance Agents
G&C Insurance (713) 263-1491
Ronnie Hawkins Agency (281) 677-9560
Steven Willson Agency (713) 490-2277
Coady & Lewis Associates
(281) 956-1041
1804 FM 646 West, Suite D
League City, Texas
Ken Stewart Agency
(281) 677-9143
3824 Atascocita Road, Suite 126
Humble, TX