Group Health & Dental

MSVIA represents all major medical and dental carriers within the state of Virginia. With so many health care options available to groups it can be difficult to make the best decision for your employees.

The MSVIA agents will help you:

• shop for the right plan(s) for your company by obtaining rates from a number of insurance carriers
• review alternatives and benefits so we can find the plan that best fits your practice's needs for the best value
• implement the plan(s) you have selected for you and/or your employees
• service the account, adding/terminating employees, problems with billing, eligibility, and claims
• understand and get the most from the coverage you purchase
• expedite the renewal process by providing a strategy and a timeline

Types of Group Health Insurance:

Health Maintenance Organization (HMO)
Medical plan in which insured’s agree to use a specific network of providers. An HMO does not have out of network benefits except for an emergency or urgent care. Some HMO’s still require referrals.

Preferred Provider Organizations (PPO)
A group of providers that are contracted at a higher rate than a provider in the HMO network. PPO rates are usually higher than HMO rates but the provider network is usually larger. With a PPO you have in network benefits along with out of network benefits. If you use a physician outside the PPO plan, your out of pocket expenses are increased. Referrals are not required.

Point-of-Service (POS)
The POS product came into being to work along side an HMO. Employees have the option to choose their physicians if they were not in the HMO network. The POS gives the employee the option to stay in network (HMO) or go out of network and pay higher copays and deductibles POS. Generally speaking rates for a POS are higher then an HMO but not as high as a PPO.  Referrals are usually not required with a POS.