You must protect your business and employees with commercial business insurance if you’re a business owner. Since there are many types of commercial insurance, you may have questions about which types of insurance are best for your company. If your company is in the Albany, NY, area, our Toedt Insurance Agency LLC team is ready to answer your insurance questions. We’ve been working with companies in your area since 2006.
Commercial HMOs versus Commercial PPOs
One type of insurance your company must buy is health care for your employees. You’ll want to help your employees stay healthy and let them care for themselves when they get sick. Many businesses choose a managed healthcare policy for their employees. With a managed care policy, each employee and their family members have a primary doctor.
The two major types of managed care health policies are commercial HMOs and commercial PPOs. With an HMO (Health Maintenance Organization), your employees will choose a primary provider from a prepared list of doctors and other health professionals. Clients with HMOs who need specialists must have a referral from their primary doctor. In a PPO (Preferred Provider Organization), the employees can choose any doctor but must pay an additional fee for doctors not listed in the designated network.
Call Us Today for Your Appointment
Your health insurance policy will help you manage your medications, but it is also necessary to manage all of the aspects of caring for your health. Companies in the Albany, NY area can depend on our team at Toedt Insurance Agency LLC to provide the information you need to make the right choices about your health. We are an independently-owned insurance company that wants to partner with you for all your insurance needs. Call us for an appointment today and let us help you get the insurance your company needs.
