- Providing world class service and value for employee benefit group plans since 1987
Taylor Benefits is an independent health insurance agent that serves businesses and employee groups in Berkeley and Alameda County, providing comprehensive health insurance plans and benefits options. We have more than 20 years experience in the industry and use our expertise to help craft affordable, flexible plans that match business needs with available options in the health care market. Here are the group benefit and health insurance plans we specialize in:
Health Maintenance Organizations (HMO) – HMO plans offer healthcare coverage through a network of health providers that provide services to members. HMOs require group members to choose primary care physician (PCP) that addresses the majority of their health needs. If a specialist is needed, the patient must first go through their primary physician to get a referral before insurance will cover any services. HMOs typically offer more preventative care services and lower priced premiums than other types of plans. With an HMO, going outside of the network means paying the full cost of any visits or procedures, as does seeing a specialist without a referral.
Preferred Provider Organizations (PPO) – A PPO health insurance plan is similar to an HMO in that it is also a network-based plan. With a PPO, however, you can see any physician in the network without getting a referral from a primary care physician first. A PPO allows patients to visit out-of-network doctors with their coverage, although the level of coverage is usually greater for staying within the network. (It’s important to note that going out of the network doesn’t guarantee any coverage, so it’s important to check that they are contracted with the insurance provider.) Most PPO plans have a deductible that must be met before the full coverage benefits can be applied.
Want to learn more about the differences between an HMO and PPO? This article explains the specifics, as well as some of the finer points of having insurance through a managed care network.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066