Best Group Health Insurance | Bell And Lyons Insurance

Group Benefits
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Group Benefits Insurance

We understand that each business has unique needs. Our Group Benefits team is experienced in helping organizations of all sizes find the best group health insurance plans available.

Our team is committed to providing your business with the personalized service it deserves.

More Access

When we look for group health insurance for you, we explore all available markets to find your organization the best and most cost-effective health insurance options.

Personalized Assistance

Our Group Benefits team aims to help you achieve your ideal situation. We can handle your open enrollment meetings and provide your Human Resources team with all the tools necessary for a successful open enrollment.

Capacity to Assist You

We can support organizations of all sizes with their group health insurance needs. Our Group Health Insurance team has experience managing group health plans for organizations with as few as 10 employees to those with over 1,000.

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Terms You Should Understand

Affordable Care Act (ACA)

US employers with 50 or more full-time employees must provide these workers with compliant health coverage. Under the ACA, a health plan offered by an Applicable Large Employer (ALE) is considered affordable if the employee's required contribution does not exceed 9.56% of their household income for the taxable year. Additionally, the plan must meet the ACA's out-of-pocket maximum limits for the 2018 plan year, which are $7,350 for individual coverage and $14,700 for family coverage.

Employer Contribution:

As an employer looking for benefits, you will need to decide how much you want to contribute toward benefits for your employees and their dependents. The amount you choose will affect your overall costs. You might also be able to contribute different amounts for individual employees and those with dependents. You can choose to contribute either a maximum dollar amount or a percentage of the total cost for each pay period.

Deductible

A plan's deductible is the amount that a member and their dependents must pay for covered in-network services each year before the plan begins to pay. There are different deductibles for in-network and out-of-network services.

Coinsurance

Coinsurance is the percentage of the allowed amount for covered healthcare services that an employee pays to providers who contract with Humana. Generally, in-network coinsurance is less expensive for an employee than out-of-network coinsurance.

Co-Payment

A plan's office visit copay is a set fee (for example, $20) that a member pays for an office visit after meeting their deductible.

Out-Of-Pocket Maximum

This is the highest amount a member will pay out-of-pocket for covered services in a single plan year. Once an employee reaches this amount through deductibles, co-payments, and coinsurance, Humana covers 100% of the costs for covered benefits.

The out-of-pocket limit does not include monthly premiums and does not account for any expenses related to services that the plan does not cover.

Prescription Co-Payment

A medical plan's prescription copay is a set amount that an employee pays for each new prescription or refill. The copay may differ depending on the specific medication prescribed.

The out-of-pocket limit does not include monthly premiums and does not cover any expenses for services that the plan does not include.

PPO

A Preferred Provider Organization (PPO) offers employees flexibility in choosing healthcare providers. This type of health plan features a network of doctors, hospitals, and other healthcare providers who offer discounted rates to plan members. While employees can visit any doctor or hospital they choose, they typically pay less if they use in-network providers. Out-of-network care is covered, but at a higher cost.

POS

A Point of Service (POS) plan shares similarities with a PPO, allowing employees to choose healthcare providers both in and out of a network. Like a PPO, individuals pay less for care from in-network doctors, hospitals, and other providers. However, POS plans often offer additional benefits, such as deeper discounts and a wider range of network providers compared to many PPOs. Note: While POS plans were once common, they are less prevalent today. HMO and PPO plans have become more flexible, incorporating elements of both plan types.

HMO

A Health Maintenance Organization (HMO) is a health insurance plan that typically limits coverage to care provided by a specific network of doctors and hospitals. Members usually need a referral from their primary care physician to see specialists. Unlike PPOs, HMOs generally don't cover out-of-network care except in emergencies. To be eligible for coverage, members often must live or work within the HMO's service area.

Find the best Group health Insurance Coverage

Experience peace of mind with Bell and Lyons’ health insurance plans. Our comprehensive coverage ensures you have access to quality healthcare when you need it most. From routine doctor visits to emergency medical services, our plans are designed to provide you with the best care possible. Enjoy added benefits such as wellness programs, prescription coverage, and preventive services to keep you and your family healthy. With flexible options tailored to fit your needs and budget, Bell and Lyons makes it easy to protect your health and your future. Get covered today and live with confidence.

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