California large group health insurance plans are available to groups with a minimum of 50 employees. At HRBC we represent and are experienced with a large number of employer groups, including healthcare institutions, medical groups and municipalities.
HRBC offers many traditional plans which have features you and your employees are familiar with, along with opportunities to control costs.
With these plans, you have the guidance you need to make smart, money-saving decisions. Because of our long standing expertise in this area, we are able to help you budget for and manage your costs with forecasting tools and a variety of innovative ways you can structure your offering. With our latest technology, we offer proprietary tools that help you administer your benefits. With all the reports and services we provide, you can be “in the know” at all times.
In short, the insurance products we offer you give you, as the large employer, ways to save, while giving employees freedom to choose.
Here are just a few of the options we can provide:
- Preferred Provider Organization (PPO) plans. These offer a wide choice of providers, with discounts for using in-network doctors and hospitals. These plans are a popular option because they give members freedom of choice, with the opportunity to reduce their costs. Members can choose any provider – but they pay less for care when they go to doctors, hospitals, and other healthcare providers.
- Health Maintenance Organization (HMO) plans. These plans offer predictable out-of-pocket costs and emphasize the relationship with a primary care physician. Referrals to specialists may be required.
- Point of Service (POS) plans. These plans combine the cost savings of our regional HMO networks and the flexibility of a PPO. Members can stay within the network and pay a lower share of the cost – or they can seek services outside the network and pay more. In addition to traditional POS plan designs, we offer consumer-driven POS plans.