San Antonio, 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 San Antonio, 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 San Antonio, 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
Texas 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 San Antonio,
Texas area will contact you.
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.
San Antonio, 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 San Antonio, TX typically offer the following:
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance options
that can assist your San Antonio, TX business in reducing employee benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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 San Antonio, TX area.
Click on the link below to fill out a secure quote request form for a Texas 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 San Antonio area will contact you.
Learn more about the other types of Texas Group Health Insurance we can offer
your San Antonio, TX area business by clicking on a link below!
Local San Antonio, TX area insurance agents offering comprehensive Texas group
health insurance plan services to businesses in the following cities and counties:
Universal City, Windcrest, Leon Valley, Alamo Heights, Balcones Heights, Terrell
Hills, Kirby, Converse, Schertz, Live Oak, China Grove, Castle Hills, Hollywood
Park, Shavano Park, Hill Country Village, Sayers, Palm Park, Southton, Von Ormy,
Meadowood Arces, Macdona, Cool Crest, Hilltop Acres, North San Antonio Hills,
Grey Forest, Garden Ridge, Cibolo, Selma, Bracken, New Braunfels, San Marcos,
Seguin, Helotes, Bulverde, Boerne, Leon Springs, Pipe Creek, Mico, Lakehills,
Castroville, Dunlay, Elmendorf, Saspamco, St. Hedwig, La Vernia, New Berlin,
McQueeney, Floresville, Natalia, Devine, Leming, Rossville, Somerset, Comal
County, Guadalupe County, Medina County, Wilson County, Kendall County,
Atascosa County, and Bexar County, TX.
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Managed Care:
Fee-for-Service:
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PPO Insurance Plan (Group Health Insurance - San Antonio, TX Area Business)
A PPO group health insurance plan is recommended for a San Antonio, 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 San Antonio, 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 San Antonio, TX area business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a Texas 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 San
Antonio area will contact you.
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HMO Insurance Plan (Group Health Insurance - San Antonio, TX Area Business)
An HMO group health insurance plan helps your San Antonio, 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.
* 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 San Antonio, TX
HMO health maintenance plan.
Learn more about the other types of Texas Group Health Insurance we can offer
your San Antonio, TX area business by clicking on a link below!
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 - San Antonio, TX Area Business)
A POS or Point-of-Service group health insurance plan allows your San Antonio, 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 San Antonio, TX POS health insurance plan.
Learn more about the other types of Texas Group Health Insurance we can offer
your San Antonio, 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 Texas 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 San Antonio area
will contact you.
Click on the link below to fill out a secure quote request form for a Texas 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 San Antonio area will
contact you.
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* Employers and employees share premiums
* Employees have the freedom to choose any provider
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Managed Care:
Business Insurance
San Antonio, TX Area Group Health Insurance
San Antonio - Kirby - Converse - Alamo Heights - Windcrest - Live Oak - Universal City - Schertz & more
CITY INSURANCE AGENTS
San Antonio, TX Agents
Ralph Perez Agency
(210) 670-9191
1424 S. Ellison Dr., Suite 400
San Antonio, Texas 78245