Health Insurance - Top Ten Questions

Large Groups

  1. What are the benefit packages are available?
  2. What is the difference between an HMO and other health insurers?
  3. What is the difference between a HMO product and a point of service plan (POS)?
  4. Do my employees need a referral to see an out of Network Doctor if the group has a HMO product?  What if the group has a POS product?
  5. How can my employees tell if their doctor is participating doctor with a health plan?
  6. Are there any deductibles, coinsurance amounts or lifetime maximums which apply to the group’s coverage?
  7. What are the premium rates for the various HMO and POS products for the different plans operating in the group’s geographic area?
  8. When will the group’s premium rates change and how much advance notice of the increase will the group be given?
  9. Can the group be experienced rated?
  10. Can the group pass on the cost of the insurance to its employees? Is there a limit as to how much of the premium can be passed on to the employees?