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If your company is between 2 and 500 lives, PF Compass has you covered. Employers today are blindsided by double-digit renewal increases because their current representation hasn’t provided them with a blueprint to manage their employee benefit options.
Many of today’s broker/consultants are only seen at renewal or when a claims issue arises. Unfortunately, many businesses are unaware that there is so much more their broker/consultant should be doing. At PF Compass we go well beyond what has become common broker responsibilities.
We work with all types of businesses, large and small, across a wide range of industries. Over the years we have created a reputation of providing quality group benefits and unmatched service for all our clients.
Acronyms! By Maggie Johnson Medical plan terminology such as HMO, EPO, PPO, etc. can be confusing if you’re unfamiliar with health insurance abbreviations. Understanding the meaning of these and other health insurance terminology can be helpful, especially when you are deciding which health benefits are best for your company. Below is a simple explanation for several health insurance terms, beginning with medical plan acronyms: HDHP/CDHP (High Deductible Health Plan/Consumer Directed Health Plan): This plan type typically has significantly lower premiums than other plan types, but also requires much higher deductibles with a minimum deductible of $1,350 for single coverage and $2,700 for family coverage for both 2018 and 2019. A health savings account (HSA) can be used in conjunction with an HDHP/CDHP to pay for any qualified out-of-pocket medical expenses, including deductibles. (Also see HSA below.) HMO (Health Maintenance Organization): An HMO is a network of healthcare...read more
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