Insurance Options

James Michael Pedro

Born and raised in Georgia (Lived in Florida and the Virgin Islands).

I met my lovely wife in 3rd grade and I always knew I was going to marry her someday. Flash forward 30 years and the fun and craziness never stops.

I do not like all kids but the two that I have are amazing and I absolutely love every minute with them.

I grew up on a small farm and my children understand that hard work pays off and sometimes failure is the best way to succeed.

My family has been in Healthcare all my life and although I do not claim to know everything, I will make sure that you understand how your plan works and the best options for your care. The best part of any plan is the agent that comes along with it, well at least in this case. I look forward to being there for you!

Insurance Options

Individual insurance services include health, life, disability, and long-term care insurance, offering financial protection and peace of mind. Private PPOs and HMOs are common health insurance plans, with PPOs offering flexibility and choice, and HMOs focusing on preventive care and cost containment. Both cover preventive care, prescription drugs, and hospitalization. Life, disability, and long-term care insurance also provide financial security.

HMO

Health Maintenance Organization (HMO): HMO plans offer a network of healthcare providers and require members to select a primary care physician. They typically have lower out-of-pocket costs and require referrals for specialist visits.

POS

Point of Service (POS): POS plans combine elements of HMO and PPO plans, offering a network of healthcare providers and requiring members to select a primary care physician. They also allow members to see out-of-network providers at a higher cost.

PPO

Preferred Provider Organization (PPO): PPO plans offer a network of healthcare providers but also allow members to see out-of-network providers at a higher cost. They do not require a primary care physician and do not typically require referrals for specialist visits.

HDHP

High Deductible Health Plan (HDHP): HDHPs have higher deductibles and lower premiums, and are often paired with Health Savings Accounts (HSAs) to help cover out-of-pocket costs. They are designed to provide coverage for catastrophic events and preventive care.

FAQs

Find answers to common questions and concerns about providing health insurance as a benefit for your small business staff.

Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It provides financial protection against high medical costs and ensures access to necessary healthcare services.

Eligibility for health insurance coverage may vary depending on the specific plan and provider. Generally, employees working a certain number of hours per week or month may be eligible for coverage.

Health insurance benefits for small business staff can include coverage for doctor visits, hospital stays, prescription medications, preventive care, and more. Offering health insurance as a benefit can attract and retain talented employees.

The cost of health insurance for small businesses can vary depending on factors such as the number of employees, the level of coverage, and the location. It's important to compare different plans and consider the needs of your staff.

Enrollment in a health insurance plan for your small business staff typically involves completing an application, providing necessary documentation, and selecting the desired coverage options. Consult with a health insurance provider for guidance.

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