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 Product Portfolio
We provide a wide range of innovative, flexible Managed Care plans to meet every employer's benefit needs for their employees.
Fully Insured HMO Plans
We offer "full pay" benefit plans to our Preferred Plans that involve cost sharing (copayments) by the members. We can put together any type of benefit package that best meets your needs. We offer open access HMO plans, where members can see our network specialists without a referral.
Fully Insured Point of Service Plans
This is a plan that blends HMO benefits and indemnity benefits into one benefit plan. In contrast to true HMO plans, out-of-network providers can be seen at anytime. With these providers, covered benefits have a higher out-of-pocket cost, but members retain their "freedom of choice" option.
Self-Funded HMO Style Benefit Plans
(EPO - Exclusive Provider Organization)
If you recognize the value of Managed Care and the HMO concept, but would like to self-fund your health plan, you can do this through Health Choices, Inc. This concept allows you to have the HMO style benefits and retain the advantages of negotiated contracted fees.
Self Funded Indemnity Benefit Plans
If you choose to self-fund your employee health benefits, our experienced claims staff will process claims efficiently and accurately. Each client is assigned a specific claim examiner; your employee's questions will be answered by the same person.
Fully Integrated Managed Care Plans
If you choose to be fully-insured with a Medical Associates HMO plan or self-funded through Health Choices, you receive all components of Managed Care:
- Pre-admission Authorization
- Concurrent Review
- Discharge Planning
- Individual Case Management
- Centers of Excellence
- Drug Formulary (if Rx is offered)
- Negotiated Fees with Contracted Providers
- 24-Hour HELP Nurse
Ancillary Products
We provide options for a full employee benefit package. These include dental (fully-insured or self-funded), life, short-term disability and long-term disability insurance. We also provide Flexible Spending (Section 125) and COBRA administration.
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