New Jersey Small Business Health Insurance

New Jersey Group Health Insurance

The RLM Agency of Pompton Lakes, NJ has created
a strong relationship with some of the finest
insurance carriers serving New Jersey, while
maintaining our primary focus of serving the
employer's needs.

Most New Jersey small business offering their
employees Group Health insurance plans contribute
towards the cost of the coverage. Some pay for all of
the employees' premiums (for single coverage) and
have the employees pay the premium if they need
coverage for their families. Other small businesses pay
a percentage of the total health insurance premium
cost.

We are a Pompton Lakes, NJ insurance agency offering affordable New Jersey
group health insurance policy coverage to mid-sized, large, and small
businesses in the following towns, cities and counties in northern New Jersey:
Garfield, Saddle Brook, Elmwood Park, Preakness, Paramus, Bergenfield,
Englewood, Teaneck, Maywood, Bogota, Hackensack, Teterboro, Little Ferry,
Moonachie, Leonia, Palisades Park, Fort Lee, Englewood Cliffs, South
Hackensack, East Rutherford, North Bergen, Ridgefield, Secaucus, West New
York, North Arlington, Kingsland, Nutley, Rutherford, Belleville, Carlstadt,
Woodridge, Lyndhurst, Wallington, Lodi, Rochelle Park, Bloomfield, Montclair,
Great Notch, Totowa, West Paterson, Little Falls, Verona, Cedar Grove, North
Caldwell, Singar, Fair Lawn, Glen Rock, Hawthorne, Wayne, Haledon, River
Edge, Tenafly, Cresskill, Closter, Oradell, Emerson, Ridgewood, Midland Park,
Westwood, Waldwick, Wyckoff, Franklin Lakes, Pompton Plains, Lincoln Park,
Old Tappan, Hillsdale, Oakland, Pequannock, Lake Hiawatha, Jersey City,
Hoboken, Elizabeth, Union City, Livingston, West Milford, North Haledon,
Bloomingdale, Butler, Clifton, Hudson County, Union County, Essex County,
Sussex County, Morris County, Bergen County, and Passaic County, NJ. We
can also offer inexpensive New Jersey group health insurance coverage rates to
your small business located anywhere in the Garden State.

Also, self funding the Prescription Drug portion of the
Group Health Plan can potentially result in substantial
health insurance cost savings. Contact us for
information and to setup a self funded prescription
drug plan.

The health insurance plan that works best for your
business is determined primarily by your location, the
physicians and hospitals available through the health
insurance plan, options offered by each insurance plan,
and what your budget can accept.

Learn more about the types of Group Health Insurance
plans we can offer your New Jersey business by clicking
on a link below!

Employee benefits are an important factor to any business in hiring and
retaining a good work force. We can provide assistance to your benefit
administrator in answering employees questions and requests pertaining
to health insurance for groups of 20 or more. Every New Jersey business
needs to review their employee benefit health insurance plan to ensure
that this major expense continues to offer the highest quality group health
insurance.

Click on the link below to fill out a secure quote request form for a New
Jersey group health insurance plan that regardless of whether you're a
large employer or a small business, will provide comprehensive health
insurance coverage for your businesses most important asset...your
employees. Or you can speak with our New Jersey Group Health
Insurance specialist at (201) 704-6682 to discuss the small business
policy features in more detail.

Click here to fill out a

New Jersey Group Health Insurance

quote request form

As the cost of health care continues to increase at a
rate much faster than inflation, many large employers
and small businesses in New Jersey choose to have
their employees make a contribution towards the cost
of health insurance coverage.

PPO Plan Features (New Jersey Group Health Insurance)

* Convenient access to quality medical care for employees

* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.

PPO Insurance Plan (New Jersey Group Health Insurance)

A PPO group health insurance plan is recommended for a New Jersey business
desiring to offer their employees convenient access to quality medical care with
effective medical management, a large and diverse network of primary care
physicians, medical specialists, hospitals and clinics.

An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other
services as required in an HMO. An employee can see doctors or specialists
outside your PPO network, however, your employees portion of the costs will be
higher.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health
and chemical dependency services, may carry additional costs in a New Jersey
PPO health insurance plan.

Click on the link below to fill out a secure quote request form for a New Jersey
group PPO health insurance plan that regardless of whether you're a large
employer or a small business, will provide cheaper, comprehensive health
insurance coverage for your businesses most important asset...your
employees. Or you can speak with our New Jersey Group Health Insurance
specialist at (201) 704-6682 to discuss the policy features in more detail.

Click here to fill out a

New Jersey Small Business

Group Health Insurance

quote request form

Learn more about the other types of New Jersey Group Health Insurance we
can offer your small business by clicking on a link below!

Managed Care vs. Fee-for Service

Fee-for-Service (New Jersey Group Health Insurance)

Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible.
Once the deductible is met, this type of group health insurance plan will pay a
percentage of what is considered the "Usual and Customary" charge for covered
services. The insurance company generally pays 80% of the Usual and
Customary costs and you're responsible for paying the other 20%, which is known
as co insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the difference.

New Jersey Fee-for-Service group health insurance allows your employee to
choose their doctor and any hospital for their medical services. Usually, an
employee will have a deductible such as $500 or more to pay each year before
the insurer starts paying. The plan will pay for charges such as medical tests
and prescriptions as well as from doctors and hospitals.

Fee-for-Service health insurance coverages for employer sponsored employee
benefits in New Jersey typically offer the following:

* Employers and employees share premiums

* Employees have the freedom to choose any provider

* Insurance company pays the allowable claim

Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your New Jersey business in reducing employee
benefit costs.

* Case Management

* Second Surgical Opinion

* Pre-admission Certification

* Special Benefit Networks

Fee-for-Service group health insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other
health care providers than managed care health plans, such as HMO, PPO, and
POS. Fee-for-Service employee health insurance may not pay for some
preventive care, such as check-ups, and is usually a more expensive health
insurance coverage than utilizing an HMO, PPO, or POS plan in New Jersey.

Click on the link below to fill out a secure quote request form for a New Jersey
Fee-for-Service (Major Medical) group health insurance plan that regardless of
whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important
asset...your employees. Or you can speak with our New Jersey Group Health
Insurance specialist at (201) 704-6682 to discuss the policy features in more
detail.

Click here to fill out a

New Jersey Group Health Insurance

quote request form

Managed Care:

Fee-for-Service:

HMO

PPO

Major Medical

POS

Fee-for-Service:

Managed Care:

HMO

POS

Major Medical

HMO Insurance Plan (New Jersey Group Health Insurance)

An HMO group health insurance plan helps your New Jersey business control
health care costs through a closely managed plan with an emphasis on
preventive care. Each employee selects a Primary Care Physician from a
network of providers. The Primary Care Physician can coordinate the total care
of the employee to help ensure appropriate care is received. An employee may
also seek care from any provider in the network without a Primary Care
Physician referral, subject to a higher out-of-pocket expense.

Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list
of participating doctors. That doctor is used for typical circumstances such as
annual exams and usual health issues. If the employee needs to see a specialist,
be hospitalized, or have lab or X ray work, their doctor will refer them to a
provider or facility within the HMO system. Your employees doctor must give
authorization for those services to be covered by your HMO. In other words, an
employee must see HMO approved physicians and use HMO approved facilities
or pay the entire cost of the visit themselves.

HMO Plan Features (New Jersey Group Health Insurance)

* Preventive care emphasis

* Primary care physician coordinates the total care of the employee

Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders
a financial incentive to stay within that network.

Learn more about the other types of New Jersey Group Health Insurance we
can offer your small business by clicking on a link below!

Managed Care:

POS

Fee-for-Service:

Major Medical

PPO

Click here to fill out a

New Jersey Group Health Insurance

quote request form

POS Plan Features (New Jersey Group Health Insurance)

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Insurance Plan (New Jersey Group Health Insurance)

A POS or Point-of-Service group health insurance plan allows your New Jersey
employees the option of accessing any medical provider without a primary care
physician referral and receive the highest benefit level. Similar to an HMO, a
POS stresses preventive care and offers closely managed benefits. A POS
health insurance plan also pays benefits for out-of-network care, but at a lower
level than for in-network care.

Costs that exceed the deductible are covered by a co-insurance plan in which
your employee and the insurance company share the cost for services covered
by the policy. Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a New Jersey POS
health insurance plan.

Learn more about other types of New Jersey Group Health Insurance we can offer
your small business by clicking on a link below!

Fee-for-Service:

Managed Care:

HMO

Major Medical

PPO

Click on the link below to fill out a secure quote request form for a New Jersey
group HMO health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health insurance
coverage for your businesses most important asset...your employees. Or you
can speak with our New Jersey Group Health Insurance specialist at (201) 704-
6682 to discuss the features in more detail.

Click on the link below to fill out a secure quote request form for a New Jersey
group POS health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health insurance
coverage for your businesses most important asset...your employees. Or you can
speak with our New Jersey Group Health Insurance specialist at (201) 704-6682 to
discuss the policy features.

Click here to fill out a

New Jersey Group Health Insurance

quote request form

Managed Care:

HMO

POS

PPO

Learn more about other types of New Jersey Group Health Insurance we can
offer your small business by clicking on a link below!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.