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for group coverage, we have the products you're looking for...
Look at rates for your area:
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Medical Plans, what does it all mean:
HMO
|
POS
| PPO |
Drug Formularies | Employee Benefits
Senior Programs
|
Dental
|
Vision
Insurance Terms...
HMO - Health Maintenance Organization
The HMO plan offers comprehensive coverage and care is provided or coordinated through
each member's Primary Care Physician.
POS - Point-of-Service Plan
health plan which allows the enrollee to choose HMO, PPO or indemnity coverage at the
point of service (time the services are received).
PPO -
Preferred Provider Organization
A network or panel of physicians and hospitals that agrees to discount its normal fees
in exchange for a high volume of patients. The insured individual can choose from among
the physicians on the panel.
What is
the Brand Name Formulary?
The formulary is a list of brand name drugs that are offered at a lower co-pay than
other brand name drugs. Using drugs on this list is voluntary, but if used will lower the
co-pay to the level stated in the individual plan booklet.
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California Health insurance
plans offered include,
Blue Cross of Ca,
Blue Shield of California,
Pacificare,
Health Net,
Aetna,
Nationwide health plans, formerly Cal Farm
Health, Universal Care, Kaiser Permanente.
Dental Plans include, Delta Dental, Met
Life, Humana Dental, Blue Cross, Smile Saver, Goldenwest, Blue
Shield
Small Groups health insurance
includes,
Blue Cross of Ca, Blue Shield
of California, Pacificare, Health Net,
Aetna, Nationwide health plans, formerly Cal Farm Health,
Universal Care, Kaiser Permanente. Dental Plans
include, Delta Dental, Met Life, Humana,
Blue Cross, Smile Saver, Goldenwest, Blue Shield.
Disability Insurance carriers offered,
Met Life, Mass Mutual, Guardian, Fidelity Security
Long Term Care Insurance carriers
include, Met Life, GE Capital Assurance, John Hancock Financial,
Lincoln Benefit Life, Prudential - Long Term Care
