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New York Group Employee Health Insurance (also CT)
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Direct Access Group Benefits has assisted New York, Connecticut, and New
Jersey businesses with their employee benefit health insurance needs for over 10 years. We have created strong relationships with many of the finest insurance carriers, while maintaining our primary focus of serving the employer's needs. |
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Most small businesses offering their employees Group Health insurance plans
contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for single coverage) and have the employees pay the premium if they need coverage for their families. Other small businesses pay a percentage of the total health insurance premium cost. |
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As the cost of health care continues to increase at a rate
much faster than inflation, many large employers and small businesses in New York and surrounding states choose to have their employees make a contribution towards the cost of health insurance coverage. |
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Employee benefits are an important factor to any
business in hiring and retaining a good work force. We can provide assistance to your benefit administrator in answering employees questions and requests pertaining to health insurance for groups of 20 or more. Every business needs to review periodically their employee benefit health insurance plan to ensure that this major expense continues to offer the highest quality group health insurance. |
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Managed Care vs. Fee-for Service
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The health insurance plan that works best for your
business is determined primarily by your location, the physicians and hospitals available through the health insurance plan, options offered by each insurance plan, and what your budget can accept. |
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Click on the link below to fill out a quote request form for
an employee benefit health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York, Connecticut, or New Jersey businesses most important assets, your employees. Or speak with our Group Employee Health Insurance agent specialist toll free at 1-800-498-1819 to discuss the policy features in more detail. |
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We offer affordable New York group employee health insurance plan services to small business
in the following New York counties and cities: Westchester County, Putnam County, Orange County, Rockland County, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle, Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Hartsdale, Bronxville, Mt. Vernon, Mount Vernon, Irvington, Valhalla, Elmsford, Dobbs Ferry, Hastings on Hudson, Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough, Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood, Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem Center, Somers, North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Spring Valley, Congers, Nyack, Rockland Lake, Wesley Hills, New Hempstead, Pomona, Sloatsburg, Ramapo, Hilburn, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw, Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, Newburgh, Middletown, New York City, and Poughkeepsie, NY. |
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"Your Local New York Group Health Insurance Plan Specialist!"
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Group Health Insurance
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Employee Benefits
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Personal Insurance
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"Over 15 Years
of Professional
Insurance Service"
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Direct Access
Group Benefits, Inc.
340 Route 202
Somers, New York 10589
Toll Free: 1-800-498-1819
(914) 276-6000
Fax: (914) 276-6002
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"Your Westchester County
Group Employee
Health Insurance Agent"
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We also offer affordable group employee health insurance plan services to small business in
the following Connecticut counties and cities: Fairfield County, Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, and New Haven, CT. |
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Managed Care:
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Fee-for-Service:
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Learn more about the types of New York Group
Employee Health Insurance Plans we can offer your business by clicking on a link below! |
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(New York - Connecticut)
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PPO Insurance Plan (New York Group Health Insurance)
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A PPO group health insurance plan is recommended for New York area small
businesses wanting to offer their employees convenient access to quality medical care with effective medical management, a large and diverse network of primary care physicians, medical specialists, hospitals and clinics. |
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An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other services as required in an HMO. An employee can see doctors or specialists outside your PPO network, however, your employees portion of the costs will be higher. |
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An employee may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a PPO health insurance plan. |
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Click on the link below to fill out a quote request form for a PPO group employee
health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York, Connecticut, or New Jersey businesses most important assets, your employees. Or speak with our Group Health Insurance agent specialist toll free at 1-800-498-1819 to discuss the policy features in more detail. |
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* Convenient access to quality medical care for employees
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* Large and diverse network available of primary care physicians, specialists,
hospitals & clinics. |
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Fee-for-Service:
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Managed Care:
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Learn more about the other types of New York Group Employee Health
Insurance Plans we can offer your New York small business by clicking on a link below! |
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(New York - Connecticut)
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HMO Insurance Plan (New York Group Health Insurance)
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An HMO group health insurance plan helps your New York area small
business control health care costs through a closely managed plan with an emphasis on preventive care. Each employee selects a Primary Care Physician from a network of providers. The Primary Care Physician can coordinate the total care of the employee to help ensure appropriate care is received. An employee may also seek care from any provider in the network without a Primary Care Physician referral, subject to a higher out-of-pocket expense. |
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Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list of participating doctors. That doctor is used for typical circumstances such as annual exams and usual health issues. If the employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will refer them to a provider or facility within the HMO system. Your employees doctor must give authorization for those services to be covered by your HMO. In other words, an employee must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit themselves. |
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Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
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* Preventive care emphasis
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* Primary care physician coordinates the total care of the employee
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An employee may have to pay some portion of the cost (co-payment) for
each office or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in an HMO health maintenance plan. |
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(New York - Connecticut)
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Managed Care:
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Fee-for-Service:
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Learn more about the other types of New York Group Employee Health
Insurance Plans we can offer your small business by clicking on a link below! |
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Click on the link below to fill out a quote request form for an HMO group
employee health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York, Connecticut, or New Jersey businesses most important assets, your employees. Or speak with our Group Health Insurance agent specialist toll free at 1-800-498-1819 to discuss the policy features. |
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Insurance Plan (New York Group Health Insurance)
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A POS or Point-of-Service group health insurance plan allows your New
York area employees the option of accessing any medical provider without a primary care physician referral and receive the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers closely managed benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a lower level than for in-network care. |
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Costs that exceed the deductible are covered by a co-insurance plan in which
your employee and the insurance company share the cost for services covered by the policy. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a POS health insurance plan. |
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(New York - Connecticut)
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Click on the link below to fill out a quote request form for a POS group
employee health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York, Connecticut, or New Jersey businesses most important assets, your employees. Or speak with our Group Health Insurance Agent specialist toll free at 1-800-498-1819 to discuss the features in more detail. |
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Fee-for-Service:
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Managed Care:
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Learn more about the other types of New York Group Employee Health
Insurance Plans we can offer your small business by clicking on a link below! |
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Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible. Once the deductible is met, this type of group health insurance plan will pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you're responsible for paying the other 20%, which is known as co insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
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Fee-for-Service group health insurance allows your employee to choose their
doctor and any hospital for their medical services. Usually, an employee will have a deductible such as $500 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
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Fee-for-Service health insurance coverages for employer sponsored employee
benefits typically offer the following: |
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* Employers and employees share premiums
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* Employees have the freedom to choose any provider
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* Insurance company pays the allowable claim
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Fee-for-Service plans also offer some Managed Care type of insurance options that
can assist your New York area small business in reducing employee benefit costs. |
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* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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Fee-for-Service group employee health insurance coverages offer more choice of
doctors (including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care health plans, such as HMO, PPO, and POS. Fee-for-Service employee health insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan. |
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(New York - Connecticut)
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Click on the link below to fill out a quote request form for a Fee for Service group
employee health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your New York, Connecticut, or New Jersey businesses most important assets, your employees. Or speak with our Group Health Insurance Agent specialist toll free at 1-800-498-1819 to discuss the features. |
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Learn more about the other types of New York Group Employee Health
Insurance Plans we can offer your business by clicking on a link below! |
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Managed Care:
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