Home   Services   Partners   Contact       We have partnered with only the best providers of group insurance. Our Partners include but are not Limited to the following partners. Aetna Aetna is putting information to work to help you make informed decisions. Building on Aetna's easier access to affordable care through quality practitioners, the power of information is helping people achieve health and financial security. Visit Aetna's website Gaurdian When it comes to employee benefits, follow a leader. We offer a complete array of affordable, high-quality coverages teamed with superior service that customers can truly count on. With over 120,000 group plans in force, Guardian and its subsidiaries provide personal and financial protection to more than six million employees and their dependents nationwide. Let us show you why we're the carrier of choice for so many discerning companies. Visit Gaurdian's Website Humana Manage your health care with confidence. Health care decisions can be complex. At Humana, we guide you to the information you need — when you need it — so you can make confident choices. Visit Humana's Website Preferred Provider Organizations (PPOs) are one step over the managed care border. PPOs have made arrangements for lower fees with a network of health care providers. PPOs give their policyholders a financial incentive to stay within that network. With a PPO, you can refer yourself to a specialist without getting approval and, as long as it's an in-network provider, enjoy the same co-pay. Staying within the network means less money coming out of your pocket and less paperwork. Preventive care services may not be covered under a PPO. Health Maintenance Organizations (HMOs) are the least expensive, but also least flexible type of health plan. They also tend to be geared more toward members of group plans than individuals. In exchange for a low co-payment (or sometimes no co-pay at all), low premiums and minimal paperwork, an HMO requires that you only see its doctors, and that you get a referral from your primary care physician before you see a specialist. If you can still pick up the phone, you'll probably need to get clearance before you can visit the emergency room. Point-of-Service (POS) are similar to PPOs, but they introduce the gatekeeper, or Primary Care Physician. You'll need to choose your PCP from among the plan's network of doctors. As with the PPO, you can choose to go out of network and still get some kind of coverage. In order to get a referral to a specialist, though, you usually must go through your PCP. You can still choose to refer yourself, but it'll mean more hassles and more money coming out of your pocket. There are so many companies that underwrite group health insurance. Choosing between them is a complex decision. We can lay out the process and the choices in detail, but to do so really requires a conversation with an experienced agent who knows the market. We make sure you fully understand the differences of the plans so that you can make the best decision for your company in a quick and efficient manner. We also thoroughly assist you in the enrollment process to conserve your valuable time and follow-up with employee education. If you need additional services, such as cafeteria plan administration or payroll administration, we can assist you in these areas as well and make sure your benefits package works properly with these services.