Products & Services - Group Insurance

“I have had the opportunity to work with Chuck Baxter since March of 1999. He has made it possible for us to strengthen our employee benefit package to the point that we are one of the leaders in our business in employee benefits.” – Thomas S. Ball, Vice President
Liberty Equipment Repair

Group Insurance

Employer/employee concerns about today's managed-care health insurance products (HMOs, POS, & PPOs) are ever-increasing. And with good reason. Below are just a few of the problems associated with these plans:

Escalating Costs

Premiums on average are increasing 14% per year. In just 5-6 years – or less – your premiums could double.

Reducing Benefits

As a result of increasing premiums, groups under managed care plans are under pressure to increase doctor co-pays, add calendar-year deductibles and move to higher maximum co-insurance limits. Eventually, you run out of options.

Employee Incentive

Currently there is no employee incentive to pursue a healthy lifestyle or better manage medical spending habits. Doctor co-pays of $10, $15, or $20 for office visits that actually cost $150 to $200 is just one example. These low co-pays promote over-utilization of health plans, and blurring TRUE COST of medical services.

Whether our Health Care products will be a good fit for your company and its employees depends on the math and the leadership philosophy. We can explain, you decide.

Please contact us to find out how to get more information on Group Health Insurance plans.

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