We just recently went through open enrollment and it went incredibly smoothly. Mac, Walter and the BBG team are all top-notch folks. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. Kelly was thrilled to introduce me to Mike Gore, he was extremely helpful in setting up my coverage. However, if you choose to get care outside of your plan’s network, it usually will not be covered (except in an emergency). DSM USA Insurance Company, Inc. EPO Individual Pediatric High Option The information on this coverage summary should be used only as a guideline for your dental benefits plan. Most EPOs also do not require members to get a referral from their PCP to see a specialist. With an EPO (exclusive provider organization) insurance plan, enrollees get more flexibility in the providers they see because they don’t have to get pre-approval from their PCP (primary care physician). Working with BBG has always been a great pleasure. Everyone that works at BBG is so nice and goes above and beyond, which is appreciated more than they know. Cigna Health and Life Insurance Co.: ... Individual&Family | Plan Type: EPO. This year, with BBG's insightful advice and patient guidance, we were able to save a significant amount of money at benefit renewal time while actually improving our offerings from the prior year. We have been a customer of BBG for many years, and have absolutely no complaints. It has been an auspicious pleasure working with BBG. 1 of 7 The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. There are several different types of employer-sponsored health insurance plans available and no one option is right for everyone. EPO members do not receive any reimbursement or benefit if they choose to visit medical care providers outside of the designated doctors and hospitals within the established … I imagine they'd do very well for large businesses. Working with BBG has been a game changer for our company. As a member of the EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. I can not recommend them enough. EPO Value. (following decisions T 1173/97 and T 935/97) 2. If you aren’t clear about any of the bolded terms used in this form, see the Glossary. Some of the most common types of health plans include: While each of these health insurance options has its own set of benefits, EPO plans are considered one of the most advantageous. The Business Benefits Group is top notch. EPO insurance generally has lower cost-sharing requirements compared to PPO insurance. In addition, members do not need to get a referral from a PCP to see a specialist. It is important to become familiar with all options available to businesses before making a selection. We have answers! We have answers! We have an incredible rep who responds to our questions and concerns day or night and the technology platforms they have on offer have allowed us to streamline our HR functions to save us time and money. and we just finished our ACA filings in a 20 minute meeting. Health insurance selection is one of the most important decisions a business owner will make on behalf of a company and its employees. We've used BBG for our business benefits & insurance for almost 2 years. BBG truly has top notch professionals that consistently provide excellent and proactive customer service. Coverage Period: 01/01/2021-12/31/2021 . Would recommend BBG for any size group! However, one of the most popular health plans chosen by employers are Exclusive Provider Organization (EPO) insurance plans. Except in the case of an emergency, you’ll pay the full price for any out-of-network care. Because of its generally lower cost-sharing and low premiums, an EPO is often one of the most economical health insurance choices. Insurance Company (herein called HNL) offers an Exclusive Provider Organization (EPO) insurance plan that provides you with ways to help you receive the care you deserve. An exclusive provider organization, or EPO, is a health insurance plan that only allows you to get health care services from doctors, hospitals, and other care providers who are within a certain network… Exclusive provider organization (EPO) When you enroll in the exclusive provider organization (EPO), you must use the plan’s national network of physicians, hospitals, and other healthcare providers to receive benefits; the EPO … Most EPO plans do not offer any out-of-network benefits with the exception of a medical emergency. The commitment, talent and expertise of our staff are crucial to our success. EPO health plans limit a member’s access to a specific group of physicians and hospitals. As an HR department of one, I take advantage of the HR advice provided by BBG as well. BBG has been terrific all around! There are no out-of-network benefits. I also cannot imagine not having such a great broker relationship, as I know they are always looking our for our interests and make recommendations that can be helpful. For that reason, an EPO health insurance … EPO health plans limit a member’s access to a specific group of … Remarkable team of folks. If there is no in-network option, you should get a dispensation to go out-of-network at in-network rates and with in-network copayments. My company and employees are liking their benefits. The service everyone at BBG provides is unparalleled- and they do it with a smile on their faces. I would highly recommend them!! The Business Benefits Group is top notch. They are a full service firm that doesn't just sign companies up for benefit coverages, they act as a strategic advisor to determine what solutions fit best for each company's situation and demographic. So happy I made the switch to BBG! Quick and easy. Their quick responses are helpful & direct. The team at BBG work tirelessly to ensure my company benefits package works for all of my employees. At hat point I did not. It’s important to note that those with an EPO plan have health insurance coverage only for in-network doctors and hospitals, and there are no out-of-network benefits (except for emergencies). Select EPO Plan Coverage for: Individual + Family | Plan Type:EPO The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. Earlier this year we interviewed severally companies for benefits administration and BBG was hands down the best service and takes professionalism and service to whole nother level. Derek Winn, the Senior Benefits Consultant, is exceptional! There are certain features of an EPO health insurance plan that are important to understand to ensure that the business makes the right decision. Their personalized service has provided outstanding cost savings for my organization while also providing rich benefits to my employees. Mac, Walter and the BBG team are all top-notch folks. They are all easy to work with and just made life easy. They are very knowledgeable in their area of expertise and you can always count on them to provide the best advice/counsel regarding various applicable matters. If you have ever been through a home remodel project, you get close to your clients and get to know them pretty well. With an EPO (exclusive provider organization), you have a moderate amount of freedom to choose your health care providers. Earlier this year we interviewed severally companies for benefits administration and BBG was hands down the best service and takes professionalism and service to whole nother level. and we just finished our ACA filings in a 20 minute meeting. EPO health insurance plans typically cost you less than Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans with lower rates for care. EPO vs. PPO . When you're a client of BBG it's like your part of a big family (in a good way), everyone is always willing to assist in any way they can. BBG is more than an insurance broker. In addition to the responsive, detail-oriented, and personalized services they offer, they also provide tools that are incredibly helpful, especially for smaller HR organizations. Great service! You can sign up for benefits depending on your FTE. Keep up the GREAT work!! Both an EPO and a PPO can provide you and your family with comprehensive health coverage. This coverage allows seriously injured or ill patients to go directly to the nearest ER without fear of non-coverage. They have remained consistent regardless of the level of stress involved in any situations. I look forward to partnering with BBG for many years to come and I'd highly recommend them for anyone seeking to upgrade their broker support! I've worked with numerous benefits brokers over the years and they are second to none. I could write a novel about all of the wonderful people, services and products BBG offers. Quick and easy. The BBG team is able to work medical benefits, Defense Base Act, property insurance and anything HR related, all of which continue to make life easy for Small Businesses. I appreciate our business relationship & highly recommend them to anyone looking for a broker! If there was 6 starts i would put that for them. She is also relentless in providing excellent Customer Service! They were able to provide great benefits and cost saving for our employees as well! We've used BBG for our business benefits & insurance for almost 7 years. As a department of one I know I can count on them to provide me with timely and accurate customer service when I need help. An EPO is a health insurance option similar to a … They are hands down one of the best! Always quick to respond and always keeps me up to date in my insurance claim status. With an EPO, members will also be responsible for paying some of the cost through copays. They are responsive and well informed in their efforts to ensure that we are satisfied. EPO Plan Information, Monthly Premiums and Application. What makes EPO health insurance different from other employer-sponsored health plans is that members are not required to choose a primary care provider (PCP). Thanks Michelle!!! We cannot say enough about their customer support, and recommend them to anybody looking for benefits consulting and insurance. This document is standardized and was implemented as part of the Affordable Care Act. Highly recommend! From managing our annual benefit renewals to the day to day customer service they provide for our team and members, every individual we interact with is extremely knowledgeable and provides excellent customer service. EPO Insurance Plans. They go above and beyond to answer our questions, helps in times of need and the open enrollment process was smooth.One thing that is so great about BBG is the actual client interaction and how they listen to our particular business needs. I imagine they'd do very well for large businesses. I've worked with BBG for 7 years and was responsible for introducing BBG at my new company. This gives patients more freedom to see whichever providers they would like to without having to contact the insurance company to switch PCPs. What Is an EPO? Their relationship has been invaluable, and is clearly superior to systems that try to automate insurance and benefits consulting. It was a win for our company and a win for our people. This is only a summary. I've worked with BBG for 7 years and was responsible for introducing BBG at my new company. EPO customers benefit from having quality medical care ready and waiting for them at an agreed cost sharing range. Many EPO insurance plans require you to select a primary care physician (PCP). My company and employees are liking their benefits. We highly recommend them and look forward to our continued partnership! Here’s what makes EPO insurance plans unique — and how to determine whether or not your employees could benefit from having them as an option. The SBC shows you how you and the plan would share the cost for covered health care services. Regular assessments of the industry and the market to bring its business partners the best tools, strategies, resources, and expertise, are just a few of the "benefits" of BBG. We administer dental benefits on behalf of approximately 20 million individuals in 28 states. This year, with BBG's insightful advice and patient guidance, we were able to save a significant amount of money at benefit renewal time while actually improving our offerings from the prior year. This plan has a lower deductible and exclusively covers you for in-network doctors and facilities. I also work with Robin Hansen, she has been instrumental ensuring our company’s benefits enrollment goes smoothly and without a hitch! The Summary of Benefits and Coverage summarizes health insurance information and provides estimated costs of commonly used services. Contact Business Benefits Group today to speak with an experienced benefits consultant, Statement of Commitment to Data Privacy and Security. I had the pleasure of meeting Kelly Cole when she hired my company Phoenix Home Services to build her the kitchen of her dreams. The aforementioned has been particularly appreciated during our Open Enrollment process. There are no out-of-network benefits… I couldn't ask for a better broker as BBG continuously provides top notch service! When this happens, the insurance company will usually allow the member to continue seeing an out-of-network provider and will cover all or a portion of the costs. Great service! BBG attracts and retains the best people in the industry. On a side note, this is the first review I've ever left anywhere so that says something :). At first I was skeptical about their employee navigator system but all more concerns were quickly resolved. You can rely on our experience when it comes to your dental insurance needs. I truly appreciate their dedication and expertise. EPO Health Insurance Plans: Understanding Your Options. They make certain that all of your bases are covered – it’s a pleasure to work with such professionals! They go above and beyond to answer our questions, helps in times of need and the open enrollment process was smooth.One thing that is so great about BBG is the actual client interaction and how they listen to our particular business needs. I love working with BBG! Couldn't be happier. Here are some helpful tools if you have an EPO plan. If you’re looking for lower monthly premiums and are willing to pay a higher deductible when you need health care, you may want to consider an EPO plan. They are always available to answer questions and help whenever we need them. Posted on February 10, 2019 | By Paul. They have amazing customer service across all of their departments. Cost and benefits of EPO health insurance plans. I recommend her to everyone. There's no perfect health plan type. Keep up the GREAT work!! When you're a client of BBG it's like your part of a big family (in a good way), everyone is always willing to assist in any way they can. This Summary of Benefits (SB) document answers basic questions about this versatile plan. You can view the Glossary at . EPOs generally have lower monthly premiums than PPO plans but members cannot receive covered care outside of their plan’s work with the exception of an emergency. BBG is an incredible business partner and our dedicated consultants act like extended members of our company's team. An EPO is usually more pocket-friendly than a PPO plan. As a Delta Dental EPO subscriber, you have access to Delta Dental’s EPO network in Massachusetts (MA). So, we’re breaking it down for you, including how an EPO … They provide excellent and timely service for all our corporate insurance needs. Their quick responses are helpful & direct. While members do not need a referral to see a specialist under an EPO, providers in a network will often work with other providers in the same network to ensure that patients receive the best care possible. They are a full service firm that doesn't just sign companies up for benefit coverages, they act as a strategic advisor to determine what solutions fit best for each company's situation and demographic. Members under an EPO plan can only receive health care services from in-network providers. According to a survey for America’s Health Insurance Plans (AHIP), 56 percent of U.S. adults with employer-sponsored healthcare benefits stated that suitable health coverage is a major contributing factor in deciding whether or not to remain at their current job. From managing our annual benefit renewals to the day to day customer service they provide for our team and members, every individual we interact with is extremely knowledgeable and provides excellent customer service. EPO plans generally require members to gain authorization before undergoing certain procedures or treatments, particularly costly health services. The SBC shows you how you and the plan would share the cost for covered health care services. If a member fails to get pre-authorization, the insurance company may refuse to pay the bill and it then becomes the responsibility of the member. There are no out-of-network benefits. “Materials at the time of enrollment and in member’s Explanation of Benefits have clearly stated that the plan was an EPO plan which may not have out-of-network benefits,” said … As a knowledge-based organisation, the EPO supports innovation, competitiveness and economic growth across Europe. Compared to other types of employer-sponsored health insurance plans which can be expensive due to greater freedom to visit out-of-network providers, EPO premiums are often very affordable. I've worked with numerous benefits brokers over the years and they are second to none. 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