GROUP Health Insurance

A solution to expensive medical costs
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Why Do You Need group Health Insurance?

We are proud to work closely with GBS, an AmWINS Group Company. Together, we are able control client’s costs by implementing cost-effective, integrated employee benefits solutions. Our cost containment strategies include unique proprietary employee engagement tools to better assist them in finding low cost, high quality providers and reward them for doing so.

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Evolution

Health care in America is changing rapidly. Twenty-five years ago, most people in the United States had indemnity insurance coverage. A person with indemnity insurance could go to any doctor, hospital, or other provider (which would bill for each service given), and the insurance and the patient would each pay part of the bill.

But today, more than half of all Americans who have health insurance are enrolled in some kind of managed care plan, an organized way of both providing services and paying for them. Different types of managed care plans work differently and include preferred provider organizations (PPOs), health maintenance organizations (HMOs), and point-of-service (POS) plans.

You’ve probably heard these terms before. But what do they mean, and what are the differences between them? And what do these differences mean to you?

Types of Insurance

Where Do People Get Health Insurance Coverage?


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302-272-5645

250 Marjorie Papen Dr., Magnolia, DE 19962