Employer/Group Benefits
Healthcare plans that makes sense
for you and your employees!
Group/Employer Health Insurance Benefits for Businesses
Health Maintenance Organization (HMO)
- Typically requires employees to use a network of doctors and hospitals and obtain referrals from a primary care physician (PCP) for specialist care.
Preferred Provider Organization (PPO)
- Offers more flexibility in choosing healthcare providers, both in and out of network.
Exclusive Provider Organization (EPO)
- Similar to PPOs, but generally does not cover out-of-network care except in emergencies.
High Deductible Health Plan (HDHP)
- Features lower premiums but higher deductibles. These plans may be paired with Health Savings Accounts (HSAs) to help employees save for healthcare costs.
The Bottom Line
Employer-sponsored health insurance benefits include medical, dental, vision, and life insurance plans provided as part of an employee’s benefits package. Employers usually cover a large portion of the premiums, with employees paying the remainder through payroll deductions. These benefits make healthcare more affordable, reduce out-of-pocket costs, and support employees’ overall health and well-being.