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Medical Insurance

WE FIND CREATIVE SOLUTIONS

Group health insurance does not need to be complicated. Every company is unique, thus your employee benefits package needs to integrate smoothly with your organization's culture. At BMPG our specialists know the questions to ask employers to help identify the most important aspects of their business, teams and goals to structure health insurance options tailored specifically for them. We are appointed with all of the major healthcare carriers, hence our clients have the confidence that our recommended solutions are simply the best.

Frequenty Asked Questions

Yes, dependents can be covered on all plans until the age of 26. ACA requires to the age of 26 regardless of dependent status.
Most carrier requirements allow more than one plan to be offer.
There are scenarios that can allow for multiple carriers, however standard underwriting typically allows for one carrier.
Self Insurance is a prudent solution for some companies depending on many different employer variables which your Benchmark Benefit planning specialist evaluates on your behalf.
Small group rates are filed with the state insurance department and most states do not allow price variances. Large group pricing is negotiable.
Yes carriers have the right to audit plan eligibility at any time typically audits occur upon renewal.
No, a high deductible Health Plan (HSA qualified Health Plan also known as High Deductible Health Plan) is required in order to open up an HSA bank account.
No, only if the actuarial value equals or exceeds the average standard Medicare prescription drug coverage.
In a state regulated small group market your companies claims do not directly impact the rates. Large group market place allows employer groups claims to be used as a factor in determining final rates.
A set of 10 categories of services health insurance plans must cover under the Affordable Care Act.
  1. Ambulatory patient services
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services including behavioral health treatment
  6. Prescription drugs
  7. Rehabilitative and habilitative services and devices
  8. Laboratory services
  9. Preventive and wellness services and chronic disease management
  10. Pediatric services, including oral and vision care
The Benchmark Approach to your Insurance Needs

With half a dozen services that we provide to our customers there is never a problem finding a resource that fits with your company and lifestyle. BMPG has over 10 years of experience in guiding clients into plans that fit their needs and ensure that they are secure and ready to take on the future. We recognize that each of our clients are unique, and we will tailor our recommendations for your specific company.

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