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Group Health Insurance
Fee-for-Service or Major
Medical Insurance Plan Pennsylvania Business |
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Employers and employees
share premiums
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Employees have the
freedom to choose any
provider
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Insurance company pays
the allowable claim
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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.
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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.
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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.
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Fee-for-Service plans also
offer some Managed Care
type of insurance options
that can assist your
Pennsylvania small
business in reducing
employee benefit costs.
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Such as:
Case Management
Second Surgical Opinion
Pre-admission Certification
Special Benefit Networks
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Coverage Explained
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Click on the link below to
fill out a Pennsylvania
Group Health Insurance
quote form.
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PA Group Insurance, LLC
Copyright 2004-2021, All rights reserved
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PA Group
Insurance
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FEE
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PA Group
Insurance
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