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Why spend another moment wondering about your
financial future?

Group Health Insurance

We provide the tools and the technology to help protect your greatest asset – your employees.

We help businesses of all sizes find the right health insurance policies at the best rates. Then we help them manage their coverages. For instance, we can be your HR director’s and employees’ point of contact. If there’s an issue, we can call the insurance company to help solve it. We also have an intranet for clients, where group administrators can post benefits, view links to carriers and enroll new employees online. Equally important, we allow group administrators access to a website where they can connect and share insights with other administrators across the country. There they can also access valuable information on issues from COBRA to health care savings accounts, payroll stuffers to benefit flyers.
Let us help you choose the option that is best for your business:

  • PPO (Preferred Provider Organization )— a form of managed health care in which you have more flexibility in choosing physicians and other providers than in an HMO. You can see both participating and non-participating providers, but your out-of-pocket expenses could be lower if you see participating providers.
  • HMO (Health Maintenance Organization) — a form of managed health care in which you receive all your care from participating providers. You usually are required to obtain a referral from your primary care physician (PCP) before you can see a specialist.
  • POS (Point-of-Service Plan) — a form of managed health care in which primary care physicians coordinate patient care but there is more flexibility in choosing doctors and hospitals than in an HMO.
  • High Deductible Health Plan — health care that provides comprehensive coverage for high-cost medical events. It features a high deductible and an annual limit on out-of-pocket expenses. This type of coverage is usually coupled with a health spending account (FSA) or a health savings account (HSA).
  • Health Savings Account (HSA) — an account established by an employee or an employer to help save money toward medical expenses on a tax-free basis. Any balance remaining at the end of the year rolls over to the next year. Your HSA account is portable; the funds remain with you regardless of employment.
  • Health Reimbursement Account (HRA) — an account established by an employer to help pay for an employee's medical expenses. Only the employer can contribute to a health reimbursement account. It can save the employer money on employee provided health benefits.

Flexible Spending Account (FSA) — employees use pre-tax dollars to set up these accounts and draw on them to pay for qualified medical expenses during the year. Unused amounts are forfeited at the end of the year.

Please contact us today, or get a quote online, and let Accurate Advisory Group help you find the right coverage for you and your family, at the right price.