Select your Broker with the same care you use for your attorney, accountant, and other top advisors. Define your corporate position regarding employee benefits Insurance shopping is not fun. Select a Broker who will stay on top of the market for you and pay attention to your changing needs. The purpose of employee benefits and group health insurance is to attract the highest caliber of personnel by enhancing their personal well being. Coverage Group health insurance has two basic forms.
All treatment starts with the primary care physician.
All specialists must be authorized by the primary care physician in order for the insurance plan to recognize and therefore pay for the specialized procedure. Some of the more popular HMO plans now have a deductible for hospital stays or certain outpatient procedures. Younger employees and lower paid employees typically prefer the HMO plan over all other types of coverage. The other basic form of group health insurance is the PPO or Preferred Provider Organization. This plan is characterized by the patient's ability to select any contracted physician, any time, any place.