What is Employee Health Insurance insurance ?
Employee health insurance is a type of benefits package provided by employers that offers medical coverage and financial protection for employees in case of unexpected health expenses
There are generally four types of employee health insurance:
- Health Maintenance Organization (HMO): This type of plan typically requires members to choose a primary care physician and get referrals for specialists. It usually has lower out-of-pocket costs but less flexibility in choosing providers.
- Preferred Provider Organization (PPO): This type of plan allows members to choose from a network of preferred providers or go out of network, but usually has higher out-of-pocket costs
- Point of Service (POS): This type of plan is a hybrid of HMO and PPO plans, where members choose a primary care physician and get referrals for specialists but also have some out-of-network options.
- High Deductible Health Plan (HDHP): This type of plan has higher deductibles and out-of-pocket costs but also allows members to contribute to a tax-advantaged health savings account (HSA).
What does it cover ?
Preventive careThis includes routine check-ups, immunizations, and screenings to help maintain good health and detect health problems early.
HospitalizationThis includes coverage for hospital stays, surgeries, and related medical expenses.
Prescription drugsThis includes coverage for medications prescribed by a healthcare provider.
Emergency careThis includes coverage for emergency room visits and related medical expenses.
Mental health and substance abuse treatmentThis includes coverage for mental health services and substance abuse treatment
Why Do You Need It ?
We need employee health insurance to provide access to medical care and cover the cost of medical expenses for employees, promoting their health and wellbeing while also attracting and retaining talented workers.
What sets MIEGI apart:
- Hands on knowledge with over 20 years of experience.
- Licensed with multiple carriers to ensure the best coverage at the best prices.
- Dedicated team committed to providing excellent and ongoing customer service.
- Personalized and customized affordable solutions.
- Outstanding customer satisfaction with 5 stars on google reviews .
- Simplified process incorporates cutting-edge technologies.
- Offices in multiple locations.