contactBar    
  header.storeInfo    

Saunders Insurance Agency
437 2nd Ave
Gallipolis, OH 45631

800-689-5103
Fax: 740-446-4719

  content    

Group Health Insurance in Gallipolis and Jackson, OH

Benefits that Keep your Employees Happy

Saunders Insurance Agency provides Employee Benefits such as group health insurance to businesses, educational institutions, and governmental entities in Ohio and West Virginia- including Gallia, Jackson, Athens, Meigs, Cabell (WV), Mason (WV), and surrounding counties.

As an employer in today’s business world, Saunders Insurance Agency knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing employees with a plan that meets their needs, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

Saunders Insurance Agency is proud to offer a variety of Employee Benefits and group health insurance plans for Small and Large Groups – with quality networks, cost savings tools, preventive care, and value-added benefits. SIA’s employee benefits specialists will work with you to develop a group plan that’s customized to meet your employees’ needs.

Employee Benefits Options from SIA

We understand the challenges of providing quality, affordable insurance for businesses and entities of all sizes- which is why SIA offers a variety of plans tailored to meet the needs of employers of any size. Saunders Insurance Agency provides unique programs offered from the area’s leading insurance providers:

  - ANTHEM BLUE CROSS BLUE SHIELD

  - MEDICAL MUTUAL OF OHIO

  - UNITED HEALTHCARE

Which Plan Design is Right for your Business?

There are various group health insurance plan designs and provider networks with confusing acronyms such as PPO, HMO, HSA, HRA, POS, or EPO. Below are some common terms to help you make the best selection for your health care needs:

  • PROVIDER NETWORKS: A network made up of doctors, hospitals and other health care providers and facilities that have agreed to offer negotiated rates for services to insureds of certain medical insurance plans. By negotiating rates for services, your insurance company can keep its costs down and offer you lower out-of-pocket costs for network services.
  • PPO (PREFERRED PROVIDER ORGANIZATION): PPO networks are made up of those doctors and facilities that have negotiated lower rates on the services they perform. PPO health plans have access to those negotiated rates. When you stay in your PPO’s network, you have access to negotiated rates on services the PPO provider has negotiated for you. You’ll have lower out-of-pocket costs from the PPO provider than you would out-of-network. Premiums tend to be higher with this type of plan, which is commonly often paired with a deductible.
  • HMO (HEALTH MAINTENANCE ORGANIZATION): With an HMO, you must see a provider within your network. In most cases, if you belong to an HMO, you must use in-network care, meaning care from those health care facilities or doctors that are in the HMO’s network. Out-of-network care is allowed in emergency cases only. Because this defined network can help control costs, premiums tend to be lower with an HMO.
  • EPO (EXCLUSIVE PROVIDER ORGANIZATION): With an EPO, you’re offered benefits for in-network service only - there are no out-of-network benefits (unless needed for emergencies).
  • POS (POINT OF SERVICE PLAN): A POS plan is a combination of an HMO and PPO. You must generally stay in-network for services, but may be authorized for out-of-network services in limited cases. However, just like with a PPO, if you do go out-of-network, your benefits and coverage may be less.
  • HSA (HEALTH SAVINGS ACCOUNT): Just as the name implies, a health savings account (HSA) is a financial account designed to help you save for qualified health care expenses on a pretax basis. Not just anyone can open an HSA. You must be enrolled in a high deductible health plan (HDHP). And not just any HDHP is HSA qualified. As defined by the Internal Revenue Service, the plan must have a higher deductible than typical plans and a maximum out-of-pocket limit, including deductibles, copays and coinsurance. An HSA is owned by the employee and remains with them even after leaving a company. Tax benefits include tax deductible contributions and account holders can build up their HSA by earning tax-free interest as well as tax-free returns from investing their funds.
  • HRA (HEALTH REIMBURSEMENT ACCOUNT): A health reimbursement account or arrangement (HRA) is true to its name: Your employer funds the account so you can reimburse yourself for certain medical, dental or vision expenses. Employees can’t take an HRA with them after leaving a company (it belongs to your employer). An HRA is tax-free for both you and your employer.
  • FSA (FLEXIBLE SPENDING ACCOUNT): If you have a health plan through an employer, a flexible spending account (FSA) is a tool offered by many employers designed to help employees set aside money during the plan year to pay for out-of-pocket costs and catch a tax break in the process. FSA money must be spent within one benefit year. If you leave your company- your employer keeps the funds.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Saunders Insurance Agency who can help you find a solution that’s ideal and feasible for you and your employees.

  prePostBody    
  postBody