New York Group Employee Health Insurance Information (also CT)
Direct Access Group Benefits has assisted New York and Connecticut businesses with their employee benefit health insurance needs for
over 20 years. We have created strong relationships with many of the finest insurance carriers, while maintaining our primary focus of serving
the employer's needs.
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.
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.
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.
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.
Click on the link below to fill out a quote request form for a 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 or Connecticut
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 health insurance policy features in more detail.
New York Group Health Insurance Quote
We offer reliable, experienced, and 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, Somers, 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, 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, Brewster, New York City, and Poughkeepsie, NY. We also offer group health insurance coverage services for your CT small
business.
Managed Care vs. Fee-for Service
Learn more about the types of New York Group
Employee Health Insurance Plans we can offer
your business by clicking on a link below!
"Your Local Westchester County, New York Group Health Insurance Agent Specialist!"
Managed Care:
Fee-for-Service:
Click below to fill out a NY or CT quote request form!
PPO Insurance Plan (New York Group Health Insurance)
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.
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.
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.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians, specialists, hospitals & clinics.
HMO Insurance Plan (New York Group Health Insurance)
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.
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.
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.
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
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.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (New York Group Health Insurance)
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.
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.
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.
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.
Fee-for-Service health insurance coverages for employer sponsored employee benefits typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
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.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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.
DIRECT
ACCESS
GROUP
BENEFITS,
INC.
Employee Benefits Specialists
Call Us 1-800-498-1819
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 or Connecticut
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 health insurance policy features in more detail.
Learn more about the types of New York Group
Employee Health Insurance Plans we can offer
your business by clicking on a link below!
Managed Care:
Fee-for-Service:
Click below to fill out a NY or CT quote request form!
Click on the link below to fill out a quote request form for a 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 or Connecticut
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 health insurance policy features in more detail.
Learn more about the types of New York Group
Employee Health Insurance Plans we can offer
your business by clicking on a link below!
Managed Care:
Fee-for-Service:
Click below to fill out a NY or CT quote request form!
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 or Connecticut
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 health insurance policy features in more detail.
Learn more about the types of New York Group
Employee Health Insurance Plans we can offer
your business by clicking on a link below!
Managed Care:
Fee-for-Service:
Click below to fill out a NY or CT quote request form!
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 or
Connecticut 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 health insurance policy features in more detail.
Learn more about the types of New York Group
Employee Health Insurance Plans we can offer
your business by clicking on a link below!
Click below to fill out a NY or CT quote request form!
Managed Care:
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With more than 20 years of offering affordable group insurance services to both large
employers and small business throughout New York, Connecticut, and New Jersey.
We're an independent insurance agency and therefore able to consistently offer cost
effective group insurance services which are driven by a total commitment to service.