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» Group Health Insurance

Group Health Insurance

man explaining Group Health Insurance to his teamIf you are a business owner or HR manager who is looking to offer health insurance to your company, a group health insurance plan is a smart choice. Any business, regardless of its size, needs coverage for their employees that works in everyone’s favor in terms of affordability, and there are several ways you can customize the plan to make sure it suits your company.

How Group Health Insurance Plans Work

A group health insurance plan will help your business cover employees’ health care expenses. It is typically a more affordable approach to insurance than an individual plan because the risks are spread across the employees as a group.

This type of insurance benefits all parties involved. As an employer, you will pay lower payroll taxes and will be able to deduct annual contributions when calculating your income taxes. Your employees, meanwhile, will pay less in yearly taxes because premiums can be paid with pre-tax dollars.

There are two main types of group health insurance plans: higher-premium plans and lower-premium plans.

Low-Premium Plans

Generally speaking, plans that have a higher monthly premium will require a lower deductible when people get care.

This type of plan might be for you if you:

  • You’re generally healthy and rarely get sick or injured.
  • You have the means to make significant contributions to an HSA each month.
  • You can afford to pay your deductible upfront or within 30 days of receiving a bill for that amount if an unexpected medical expense comes up.

High-Premium Plans

A lower-premium plan will carry a lower monthly premium, but the trade-off is that people will tend to pay a higher amount for their deductible when they do get care.

A low premium plan might be right for you if you:

  • You have a chronic condition or need to see a doctor frequently
  • You take several prescription medications, or even just one expensive drug
  • You are pregnant, planning to become pregnant, or have small children

Types Of Group Health Insurance Plans

business group learning about Group Health InsuranceThere are a few different types of group health insurance plans offered by New City Insurance.

HMO

An HMO, or Health Maintenance Organization plan, will generally ask enrollees to choose a primary care doctor who will serve as their first point of contact. This doctor can refer them to specialists as needed. The enrollee will need to select a primary care doctor who is inside the insurance company’s network; care provided by those outside the network is typically not covered, except in certain emergency cases.

An HMO plan often offers lower premiums because of the contracts insurance companies have in place with providers within a network. However, they tend to provide less flexibility when it comes to how care is received.

PPO

A PPO, or Preferred Provider Organization plan, gives people greater freedom when it comes to seeing the doctors of their choice, although those who are outside of the insurance company’s network may see coverage at a lower level. Patients are not required to choose a primary care doctor under this type of plan.

A PPO plan generally offers greater flexibility, but this comes at the expense of higher premiums.

EPO

a team learning about business group learning about Group Health InsuranceAn EPO, or Exclusive Provider Organization plan, offers a combination of HMO and PPO plan features. There is typically no requirement for choosing a primary care physician with this type of plan, but there might not be any amount of coverage outside the insurance company’s provider network.

How New City Can Help With Group Health Insurance

We are ready to work with you to get you the lowest rates. Our team provides unbiased recommendations to help find the best fit for your company to give your employees the best coverage without paying more. Once we get the right plan, New City advisors will be on your side through the whole process of registration and enrollment. Don’t rely on anyone else when it comes to getting your group health insurance coverage.

Speak To An Consultant About Group Health Insurance

If you are interested in learning more about the benefits of a group health insurance plan for your business as well as your employees, speak to the experienced benefits consulting firm at New City Insurance today to learn more about group health insurance. Please give us a call at 888.210.2759 or request a consultation online.

Have Additional Questions?
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888.210.2759
info@newcityinsurance.com

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Google Rating
5.0
New City Insurance
New City Insurance
5.0
Carol Zhang
Carol Zhang
04:29 06 Mar 22
As a rapidly expanding national media organization, the employee benefits strategy and administration that New City has provided us during our growth has been invaluable. They have been proactive about informing us of the different benefit strategies available to us as we grow as well as managing the additional compliance laws and reporting requirements at each stage of our growth.
Claudia Villalobos
Claudia Villalobos
20:14 03 Mar 22
New City Insurance made navigating through all the health insurances super EASY. Their documents are highly informative, professional, and easy to work with. Thank you for making the process of choosing a health plan so simple. You guys are THE BEST!
Philippe Salas
Philippe Salas
17:02 22 Feb 22
I never expected to have a good time talking to an insurance salesman, but let me tell you Brendan was quite the treat. He was very helpful explaining the options and has a wonderful sense of humor. I hope to speak with him every time I call.
Jennifer Polito
Jennifer Polito
17:15 09 Feb 22
Super easy enrollment process. Fast and friendly customer service. If you are looking for an insurance company that is there for you every step of the way I highly recommend New City Insurance.
Rocky Salas
Rocky Salas
23:46 07 Jan 22
So friendly, I hope to speak to him again in all my future insurance needs.
Rocky Salas
Rocky Salas
23:38 07 Jan 22
So friendly and soft spoken. I hope to speak to him again in all my future insurance needs.
Jose Brena
Jose Brena
13:20 06 Jan 22
Eric Calciano has been extremely helpful in finding and selecting the right insurance coverage for our company. With many options out there Eric assisted us on getting a low cost provider saving more than 20% than from our competitors and providing excellent coverage for our employees.
Anastasia Beaverhousen
Anastasia Beaverhousen
17:05 28 Dec 21
Signing up for insurance was quick and easy. Felicity Sundsboe
SFCC
SFCC
22:08 29 Nov 21
Jeff Stoltey and his team provide excellent customer service. Jeff has always provided my company SFCC with straightforward options. I went to a larger insurance company only to RUN BACK to Jeff at New City Insurance. I recommend them to anyone needing insurance without hesitation.
Kevin Luby
Kevin Luby
19:13 22 Oct 21
Quick, easy & informative. We were able to secure quality insurance for our small business on a tight deadline. Thanks for the help New City.
Theresa Ruybol
Theresa Ruybol
19:30 01 Jul 21
Eric was so great with us. He was very patient and kind as we are a newer smaller organization who is growing rapidly. With that said, we had made our inquiry, he had great rapid response and mostly had to wait on me. Any request that we made and/or questions we had, he was great answering and helping us understand. Then when we were ready for all documents and to move forward, Brendan helped with getting that together and the two of them worked their magic on New City's end to notify me of what was needed, assist me in that process and confirming that all was complete and approved for the coverage. I just want to say thank you all again so much, as insurance has always been confusing to me, and you all made that process go a lot smoother.Thank you
Andrea Ordendorff
Andrea Ordendorff
21:06 07 May 21
I've been working with both Clayton and Brendan for well over a year. As the purchase of our dental practice was delayed well over 14 months they both patiently supported me and continued to make themselves available. When we were officially ready to sign up they made the whole process seamless and super easy. This team is highly knowledgeable, professional, supportive, and efficient! I can't thank them enough for everything they've done.
T W
T W
22:32 30 Aug 20
I love New City Insurance. I never had a good experience dealing with insurance brokers until I started working with Brendan. He’s awesome! He is patient with me and takes the time to answer all my questions. I’m very grateful for all his help and hard work!
Mary Jane Deyette
Mary Jane Deyette
00:57 11 May 20
Jeff Stoltey is so awesome...even thru my company had only two employees, he took the time each year to research and find the best plan for us. The only reason I am leaving New City Insurance is because we no longer have any employees. Thank you Jeff
Alma Ortiz
Alma Ortiz
22:25 23 Feb 20
Brendan was awesome! I couldn't figure out how to pick my plan and he returned my call on a weekend to help me. Outstansing service!
jessica kavanagh
jessica kavanagh
19:53 13 Feb 20
Brendan was so helpful I definitely recommend him if you’re in need of good help and getting it done promptly. Thankyou so much again.
Tricia DeYoung
Tricia DeYoung
19:49 13 Feb 20
I was very thankful I inquired about this info. with Brendan. He was very helpful so I understand the benefits available much better now. Thank you Brendan.
B Bayer
B Bayer
17:43 24 Sep 19
NCI handled almost everything from start to finish. Clayton and Brendan made the plans easy to understand and walked me through the application process. They got me my ID numbers before my cards arrived so that I could keep an appointment I had already scheduled. My last broker wouldn't have done that. 5 stars!
Jessica Lehr
Jessica Lehr
03:36 07 Jun 19
Our staff was interested in a health plan, but we didn't know how beneficial a solid employee benefits package would be for our business to expand. We'd lose prospective employees because they had more options for their medical insurance which was sometimes more valuable than more pay. The New City team was amazing and gave us as many affordable options as possible so that everyone had their needs met.
Mike McClay
Mike McClay
19:36 03 May 19
My employer uses New City as their insurance broker, and I'm always amazed when I call in for assistance by how knowledgeable and attentive their staff is with my requests. Their online benefits platform makes selecting insurance plans pretty darn easy. I would highly recommend their services.
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