Life Insurance
Health Insurance
Dental Insurance
Voluntary Supplemental Insurance
Long Term Care
Health Savings Accounts
Health Reimbursement Arrangements
Disability Insurance

A Range of Health Insurance Options

HMO – Health Maintenance Organization:
An HMO requires the insured to choose a Primary Care Physician (PCP) from a network of providers. In order to receive benefits, a referral must be obtained from the PCP prior to seeking treatment from a specialist. If a referral is not received, benefits will not be paid since an HMO does not offer an out-of-network benefit.

O/A HMO – Open Access HMO:
The benefits of an O/A HMO are the same as with a standard HMO, except that a referral is not required. When the member does select a PCP, copays for those visits and generally less. The O/A HMO does not offer an out-of-network benefit.

POS – Point of Service:
A POS requires the insured to choose a Primary Care Physician (PCP) from a network of providers. In order to receive in-network benefits, a referral must be obtained from the PCP prior to seeking treatment from a network specialist. If an employee chooses an out-of-network provider they will then be responsible for a percentage of the cost (coinsurance) after the deductible is met.

O/A POS – Open Access Point of Service:
The benefits of an O/A POS are the same as with a standard POS, except that a referral is not required.

PPO – Preferred Provider Organization:
A PPO gives the insured the choice of using a network provider and receiving a higher level of reimbursement or they may choose a non-network provider and pay a greater share of their medical expenses, typically in the form of a deductible and coinsurance. PPO networks are often larger than HMO networks, though this varies by carrier. Referrals are not required and a PCP is not selected.