The McDaniel Hazley Group tailors group insurance products to every size business, from two employees to several thousands in multiple locations. We make it extremely easy to do business with us. Our team will provide you choices in plan designs, services, and funding options.

Some options for employers to consider:

• Health Maintenance Organizations (HMO) – A HMO is a type of Managed Care Organization that is a network-based product that covers employees’ routine physical exams, well-child care, immunizations, and health care screenings. Employees pay only the predetermined co-payment and there are no deductibles or balance billing involved in covered services. An HMO covers only care rendered by contracted HMO providers.
• Preferred Provider Organization (PPO) – A PPO is a Health Care delivery system where providers contract for reimbursement levels. It is a combination of traditional fee-for-service and an HMO. Like an HMO, there are a limited number of doctors and hospitals to choose from. Usually there is a small co-payment for visits; however, there may be a deductible and the need for coinsurance. PPOs typically cover preventive care, such as visits to the doctor, well-baby care, immunizations, and mammograms. In a PPO, employees can use doctors who are not part of the plan and still receive some coverage. At these times, the employee pays a larger portion of the bill.
• Point-of Service Open Access (POS) – This option allows employees to visit any in-network or out-of-network without a referral.  Typically, covered care from an in-network provider is covered at a higher level than care from an out-of-network provider.
• Consumer Driven Health Care Plans Health Reimbursement Accounts (HRA) – a program that allows an employer to set aside funds to reimburse medical expenses paid by participating employees.  This plan allows a tax advantage to offset health care costs for both employee and employer.

Health Savings Accounts (HSA) – a tax-advantaged medical savings account available to taxpayers who are enrolled in a High Deductible Health Plan (HDHP).  Funds roll over from year to year if not spent and are used to pay for qualified medical expenses.  Unlike an HRA that is owned by the Employer, the HSA’s are owned by the individual.

High Deductible Health Plan (HDHP) – participating in a qualified HDHP is a requirement for participation in tax advantaged programs such as the Health Savings Accounts (HSA).  The plans have a minimum deductible and a maximum out-of-pocket limit.

Call the McDaniel Hazley Group for an appointment to discuss you employee benefits needs at (816) 531-7500 or visit our Web site at www.mhgins.com.