It wasn't long ago, maybe 25 years, that employers offered indemnity insurance. These policies allowed employees to go to any hospital or medical provider and split the bill with their business.

Nowadays, over 50% of Americans have commercial life & health insurance plans through their employers that manage where they can seek help, but cover more of the expenses. These include health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point-of-service (POS) plans.

It is difficult to find the perfect plan to benefit all of your employees, but as our agents about the benefits and disadvantages of various options. We will be glad to guide you through different commercial life & health insurance for commercial or individual policies to find the most beneficial plan.