Navigating insurance terms and marketing claims
You may find the information a bit overwhelming as each of these insurance companies offer HMO, PPO and HSA-Compatible plans in the Platinum, Gold, Silver and Bronze “metal tier” levels. You’ll have roughly 350 different plans to choose from – some have full networks (most doctors and hospitals) while other will have “narrow” networks (with fewer doctors and hospitals but at a lower price.) Adding to the complexity is that rather than using terms such as “Large,” “Medium” and “Narrow” to describe the network size; each insurance company uses a fancy name that their clever marketing guys and gals came up with. So, for example, UHC’s full network HMO plans are called Signature and their smallest network plans are called Focus but they also offer Advantage and Alliance HMO networks. Lots of choices and odd names that tend to disguise the plans rather than clarify what you’re getting.
Benefits Cafe helps you to gain clarity and the right plan
Not to worry: just pick up the phone and give the friendly people at BenefitsCafe.com a call at 800-746-0045. There is no cost for our services and all we ask is that you work with us exclusively, (i.e., you can’t pump us for information and then have your brother-in-law/golf buddy/or friend become the agent on your plan – that’s not fair to us.) We are very knowledgeable and licensed agents/brokers/consultants for medical insurance and employee benefits. We’ve devoted our lives to helping people understand and use medical insurance and other benefit plans – this is dry stuff and we try to make it fun while getting you accurate info. So, without delay, input your company’s info; look at the group health insurance quotes; then give us a call and we’ll help you get started.