At the Murray Group, we know that finding a NY State health insurance plan for your small business that meets both your budget and coverage needs can be very difficult.
From the outside, NY health insurance programs may seem simple or easy, just pick the cheapest plan that sounds like it will cover your needs and you’re all set. Unfortunately though purchasing a group NY State health insurance plan can very complex.
Every health insurance plan is unique and it takes a New York health insurance specialist to work with you and your business to make sure you’re getting the most coverage for the least cost to your business necessary.
The most common small business health insurance mistake…
…is simply renewing your NY State health insurance program every year without a full coverage review from your health insurance broker.
At the Murray Group, our in-house NY health insurance specialists, meet with every health insurance client, every year to make plan changes and adjustments. This ensures that your business is getting the most coverage for the least cost to your business necessary.
NY State Health Insurance Plan Options
PPO and EPO Plans
PPO and EPO plans basically work the same way as a traditional HMO plan worked.
employees visit in-network approved providers usually from either New York local network and/or a national network.
Your employees pay out-of-pocket costs based on the details of the particular NY State health insurance plan you choose. Most PPO and EPO plans require members to pay a copay, coinsurance or a deductible for certain medical services all of which are outlined on your health insurance plan.
High-Deductible Health Plans
NY high-deductible health insurance plans require your employees to pay an annual deductible. The deductible works very similar to the NY auto insurance deductible on your car.
Before the high-deductible plan starts paying for determined benefits by the plan your employee must use up the deductible.
High deductible NY State health insurance plans are often less expensive versus comparable PPO, EPO or HMO health plans.
You shouldn’t have to worry about choosing a NY State health insurance plan.
With so many alternatives in choosing a health insurance plan it’s understandable that you may feel a bit frustrated—so why don’t you enjoy living your life and leave the insurance part to us!
It’s all about you and your business and we want help you choose a comprehensive NY State health insurance plan.
Contact us today at (518) 456-6688 or Click Here to email – for a complimentary coverage evaluation.
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