Medical Insurance

Providing quality medical insurance is one of the most important investments you can make in your workforce. At HBG Insure, we understand that medical insurance is not just about compliance or checking a box; it's about creating a benefits program that attracts top talent, improves employee satisfaction, and contributes to a healthier, more productive workplace. Our medical insurance solutions are designed to provide comprehensive coverage while controlling costs through strategic plan design.

We work with every major medical insurance carrier in Pennsylvania and New Jersey, giving us the ability to find the best fit for your business. Whether you need a traditional PPO, an HMO, a high-deductible health plan, or a more innovative solution like a level-funded or self-funded plan, we have the expertise to design a medical insurance program that meets your needs and your budget. Our Plan Design Advantage Engine ensures that you're not just getting the lowest premium, but the best overall value for your healthcare dollar.

Medical Insurance Coverage Options

• Major Medical Coverage: Comprehensive hospitalization, surgery, and medical care
• Preventive Care: Annual physicals, screenings, and immunizations at no cost to employees
• Prescription Drug Coverage: Access to a wide network of pharmacies with tiered copayments
• Mental Health Services: Coverage for counseling, therapy, and psychiatric care
• Maternity and Newborn Care: Comprehensive coverage for prenatal, delivery, and postnatal care
• Emergency Services: Coverage for emergency room visits and urgent care

Our Approach to Medical Insurance

We don't believe in one-size-fits-all medical insurance. Our process begins with a thorough analysis of your employee demographics, healthcare utilization patterns, and budget constraints. We then design a customized plan that balances comprehensive coverage with cost control. Our strategic approach often uncovers opportunities to reduce premiums by 20-40% while maintaining or improving coverage quality.

Compliance and Support

Navigating the complex world of healthcare regulations can be challenging. At HBG Insure, we provide ongoing compliance support to ensure your medical insurance program meets all federal and state requirements, including ACA (Affordable Care Act) compliance, COBRA administration, and HIPAA privacy regulations. We handle the details so you can focus on running your business.