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What you need to know before buying Health Insurance  

Is pregnancy a Pre-Existing condition? Maternity Insurance

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Group Health Insurance Plans

Employers are coming to find that the insurance plans of yesterday do not fit the budgets and needs of today. Call Oxonia Insurance Group for best rates on Group Health Insurance Plans.

What are the benefits of using Group Indemnity Plans?

In addition to their affordability, they are highly accessible, usually accepting everyone within a given age range regardless of preexisting condition, occupation, or residency requirements, with Guaranteed Issue (no medical questions) or Simplified Issue (limited medical questions) underwriting.

Unlike the traditional Major Medical group plans, some Limited Indemnity plans may provide greater flexibility by not having minimum employer participation or contribution requirements. However, employers may choose to contribute to increase employee enrollment. There are other benefits to consider when evaluating a Limited Indemnity plan, such as:

1. Portable coverage - employees can take the plan with them when they change jobs
2. COBRA administration may be included
3. Pooled national rates with a no census requirement
4. No individual company experience rating
5. HIPPA compliant
6. Offering a Limited Indemnity Plan secures employee loyalty, provides a competitive advantage, and can reduce the costs of turnover, hiring and absentee/sick time

Are other employers offering Limited Indemnity Plans as a health insurance option?

Thousands of employers are choosing Limited Indemnity Plans as their company health plan. In fact, the insurance industry estimates that Limited Indemnity Plans have grown by approximately 20 percent in each of the last three years.

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