We offer health insurance to both small and large groups. The typical plans that we utilize are:
HSA Qualified High Deductible Health Plans (HDHP)
A PPO health plan with deductibles meets the I.R.S. requirements for use of a Health Saving Account. These plans allow subscribers to use any network doctor available anywhere in the country with out-of-network benefits. A health savings account allows employees to choose a high deductible health insurance policy and fund that deductible in a tax-free savings account. They can fund up to 100% of the deductible each year. Any unused monies will roll over. This combination can save employers and employees hundreds of dollars per year in premiums and taxes.
HMO Health Insurance
This plan requires a referral from a primary care doctor in order to see a specialist. Although HMOs do not offer out of network benefits, they normally have the lowest cost.
Open Access HMO Insurance
Open Access HMO is similar to an HMO, however, no referral is required for specialist care. Subscribers can use any network doctor for a low co-payment.
POS Health Insurance
A Point of Service plan is just like an open access HMO, except it will include out of network benefits which are paid at higher co-pay.
PPO Health Insurance
A PPO health plan allows subscribers to use any network doctor available anywhere in the country. This plan also includes out of network benefits.
PPOs are the least restrictive form of health insurance.
Group Health Insurance
A group health insurance plan can be the most important benefit that you, as an employer, can provide to your employees. Richard S. Bernstein & Associates can service your selection, purchase, implementation and administration of this vital coverage; whether it is for four employees – hundreds – or thousands.
Once on board with Richard S. Bernstein & Associates, we provide exemplary personal services to you, the employer, your plan administrator, and all of your plan participants.
Please contact us for a free consultation and price quote.