|
JDC Benefits has been assisting eastern Pennsylvania, southern New
Jersey, and Delaware businesses with their employee benefit health
insurance needs since 1995. We have created strong relationships with
many of the finest insurance carriers, while maintaining our primary focus
of serving the employer's needs.
|
|
Most small businesses that offer their employees Group Health Insurance
plans contribute towards the cost of the coverage. Some pay for all of the
employees' premiums (for single coverage) and have the employees pay
the premium if they need coverage for their families. Other small
businesses pay a percentage of the total health insurance premium cost.
|
|
As the cost of group health care continues to increase at a rate much faster
than inflation, many Pennsylvania, New Jersey, and Delaware small
businesses choose to have their employees make a contribution towards
the cost of health insurance coverage.
|
|
POS Insurance Plan (Small Business Group Health Insurance)
|
|
HMO Insurance Plan (PA Small Business Group Health Insurance)
|
|
PPO Insurance Plan (PA Small Business Group Health Insurance)
|
|
Group Employee Health Insurance Plan - Pennsylvania Business
|
|
Managed Care vs. Fee-for Service
|
|
The health insurance plan that works best for your business is determined
primarily by your location, the physicians and hospitals available through
the health insurance plan, options offered by each insurance plan, and
what your budget can accept.
|
|
Group Employee benefits are an important factor to any business in hiring
and retaining a good work force. Every Pennsylvania, New Jersey, or
Delaware business needs to review periodically their group employee
benefit health insurance plan to ensure that this major expense continues
to offer the highest quality health insurance coverage.
|
|
We also will assist your benefit administrator in answering employees
questions and requests pertaining to health insurance for groups of 20
or more.
|
|
A PPO group health insurance plan is recommended for Pennsylvania, New Jersey, and
Delaware small businesses wanting to offer their employees convenient access to quality medical care with effective medical management, a large and diverse network of primary care
physicians, medical specialists, hospitals and clinics.
|
|
An employee can see any health care professional in the network any time they choose to
make an appointment. They don't need referrals for specialists or other services as required in an HMO. An employee can see doctors or specialists outside your PPO network, however, your employees portion of the costs will be higher. |
|
A POS or Point-of-Service group health insurance plan allows your Pennsylvania, New Jersey,
or Delaware employees the option of accessing any medical provider with or without a primary care physician referral (depending on which option you choose) and receive the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers closely managed benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a lower level than for in-network care. |
|
Costs that exceed the deductible are covered by a co-insurance plan in which your employee
and the insurance company share the cost for services covered by the policy. Also, some services such as emergency room, mental health and chemical dependency services, may carry
additional costs in a POS health insurance plan.
|
|
* Employers and employees share premiums
|
|
* Employees have the freedom to choose any provider
|
|
* Insurance company pays the allowable claim
|
|
Fee-for-Service or major medical group health insurance provides benefits up to a high limit
for most types of medical expenses incurred, subject to a deductible. Once the deductible is met, this type of group health insurance plan will pay a percentage of what is considered the
"Usual and Customary" charge for covered services. The insurance company generally pays
80% of the Usual and Customary costs and you're responsible for paying the other 20%, which is known as co insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the difference.
|
|
Fee-for-Service group health insurance allows your employee to choose their doctor and any
hospital for their medical services. Usually, an employee will have a deductible such as $500 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
|
Fee-for-Service group health insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans, such as HMO, PPO, and POS. Fee-for-Service group health insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan. |
|
Click on the link below to fill out a short quote request form for a Fee for-Service group
health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your Pennsylvania,
New Jersey, or Delaware businesses most important assets, your employees. Or speak with
our Small Business Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
|
Fee-for-Service:
|
|
Managed Care:
|
|
Fee-for-Service:
|
|
Managed Care:
|
|
Managed Care:
|
|
Managed Care:
|
|
Fee-for-Service:
|
|
JDC Benefits
|
|
Pennsylvania Group Health Insurance Specialists
|
|
Group Health Insurance
|
|
Copyright 2004-2008 JDC Benefits, LLC - All rights reserved
|
|
Click on the link below to fill out a short quote request form for a
group employee benefit health insurance plan that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your Pennsylvania, New Jersey, or Delaware businesses most important assets, your employees. Or speak with our Small Business Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
|
An employee may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a PPO health insurance plan. |
|
* Convenient access to quality medical care for employees
|
|
* Large and diverse network available of primary care physicians, specialists, hospitals & clinics.
|
|
Click on the link below to fill out a short quote request form for a PPO health insurance plan
that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your Pennsylvania, New Jersey, or Delaware businesses most important assets, your employees. Or speak with our Small Business Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
|
An HMO group health insurance plan helps your Pennsylvania, New Jersey, or Delaware
small business control health care costs through a closely managed plan with an emphasis on preventive care. Each employee selects a Primary Care Physician from a network of providers. The Primary Care Physician can coordinate the total care of the employee to help ensure appropriate care is received. An employee may also seek care from any provider in the network without a Primary Care Physician referral, subject to a higher out-of-pocket expense. |
|
Subscribers to an HMO receive medical services from participating physicians, clinics and
hospitals. An employee chooses a primary care physician from a list of participating doctors. That doctor is used for typical circumstances such as annual exams and usual health issues. If the employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will refer them to a provider or facility within the HMO system. Your employees doctor must give authorization for those services to be covered by your HMO. In other words, an employee must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit themselves. |
|
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for lower
fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
|
* Preventive care emphasis
|
|
* Primary care physician coordinates the total care of the employee
|
|
An employee may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in an HMO health maintenance plan. |
|
Click on the link below to fill out a short quote request form for an HMO health insurance plan
that regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your Pennsylvania, New Jersey, or Delaware businesses most important assets, your employees. Or speak with our Small Business Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
|
* Preventive care emphasis
|
|
* Pays benefits for out-of-network care, but at a lower level
|
|
Click on the link below to fill out a short quote request form for a POS health insurance plan that
regardless of whether you're a large employer or a small business, will provide first class health insurance coverage at an affordable cost for your Pennsylvania, New Jersey, or Delaware
businesses most important assets, your employees. Or speak with our Small Business Health
Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
|
Fee-for-Service:
|
|
Learn more about the types of Group Employee Health Insurance Plans we can offer
your Pennsylvania small business by clicking on a link below! |
|
Fee-for-Service health insurance coverages for employer sponsored employee benefits
typically offer the following: |
|
Fee-for-Service plans also offer some Managed Care type of insurance options that can
assist your Pennsylvania, New Jersey, or Delaware small business in reducing employee benefit costs. |
|
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
|
|
Managed Care:
|
|
JDC Benefits
|
|
Pennsylvania Group Health
Insurance Specialists
|
|
Learn more about the types of Group Employee Health Insurance Plans we can offer your
Pennsylvania small business by clicking on a link below! |
|
Learn more about the types of Group Employee Health Insurance Plans we can offer your
Pennsylvania small business by clicking on a link below! |
|
Learn more about the types of Group Employee Health Insurance Plans we can offer your
Pennsylvania small business by clicking on a link below! |
|
Learn more about the types of Group Employee Health
Insurance Plans we can offer your Pennsylvania small business by clicking on a link below! |
|
We are your local Allentown, PA area insurance agency, offering affordable group employee
health insurance plan premiums and services for businesses in the following Pennsylvania cities and counties: Philadelphia County, Delaware County, Montgomery County, Chester County, Bucks County, Lehigh County, Northampton County, Berks County, Lancaster County, York County, Philadelphia, Emmanus, Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville, Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North Catasauqua, Stroudsburg, King of Prussia, Springfield, Woodlyn, Chester, Norwood, Ridley Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood, Milbourne, Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley, Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport, Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown, Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington, Feltonville, Frankford, Olney, Andalusia, Cornwells Heights, Bridgewater, Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West Bristol, Strafford, Devon, Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree, Paoli, Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue Bell, Center Square, Fort Washington, Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler, Lower Gwynedd, Washington Crossing, New Hope, Richboro, Feasterville, Southampton, Langhorne, Holland, Newtown, Yardley, PA, and Trenton, NJ. |
|
(also New Jersey & Delaware small business)
|
|
(also New Jersey & Delaware small business)
|
|
(also New Jersey & Delaware small business)
|
|
(also New Jersey & Delaware small business)
|
|
(also New Jersey & Delaware small business)
|
|
JDC Benefits, LLC
Lehigh Valley Office
322 Juniper Street
Quakertown, PA 18951
Bucks County, Pennsylvania
Eric Johnson
267-471-7140
Fax: 215-538-8641
|
|
"We are your Pennsylvania
Group Health Insurance Agents"
|
|
How do I get started?
Simply fill out some basic information
on one of the quote request forms or
call our office at 267-471-7140
or 215-900-1163.
You can also contact us by email at:
marptd@pagroupinsurance.com
We are licensed in Pennsylvania,
Delaware, and New Jersey.
|
|
JDC Benefits, LLC
Philadelphia Area Office
307 Hart Alley
Newtown, PA 18940
Philip Mishler
215-900-1163
|