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New Hampshire Group Health Insurance
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(also Maine & Massachusetts)
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Gorman Insurance and Risk Management Services has
created a strong relationship with some of the finest insurance carriers serving New Hampshire and surrounding states, while maintaining our primary focus of serving the employer's needs. |
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Most small businesses offering their employees Group
Health insurance plans contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for single coverage) and have the employees pay the premium if they need coverage for their families. Other small businesses pay a percentage of the total health insurance premium cost. |
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As the cost of health care continues to increase at a
rate much faster than inflation, many large employers and small businesses in New Hampshire choose to have their employees make a contribution towards the cost of health insurance coverage. |
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Managed Care vs. Fee-for Service
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The health insurance plan that works best for your business is
determined primarily by your location, the physicians and hospitals available through the health insurance plan, options offered by each insurance plan, and what your budget can accept. |
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Learn more about the types of Group Health Insurance Plans
we can offer your New Hampshire business by clicking on a link below! |
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Employee benefits are an important factor to any business in
hiring and retaining a good work force. We can provide assistance to your benefit administrator in answering employees questions and requests pertaining to health insurance for groups of 20 or more. Every business needs to review periodically their employee benefit health insurance plan to ensure that this major expense continues to offer the highest quality group health insurance. |
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Click on the link below to fill out a quote request form for a New
Hampshire Group Health Insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage for your businesses most important asset...your employees. Or speak with our Business Insurance specialist toll free at 1-800-678-3431 to discuss the features. |
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We are your local southeastern New Hampshire, southern Maine insurance
agency, offering experienced group health insurance services to businesses located in the following cities and counties: Somersworth, Durham, Portsmouth, Dover, Rochester, Rollinsford, Barrington, Madbury, Lee, Strafford, Farmington, Milton, Barnstead, Nottingham, Northwood, Raymond, Newmarket, Newfields, Stratham, Rye, Hampton, Epping, Exeter, Salem, Danville, Deerfield, West Rye, Derry, Chichester, South Barnstead, Gilmanton, New Durham, Wolfeboro, Alton, Laconia, Berlin, Lebanon, East Candia, North Hampton, Hanover, Littleton, Plymouth, Claremont, Newport, Keene, Hampton, Rye Beach, Strafford County, Rockingham County, Hillsborough County, Merrimack County, and Belknap County, NH. We also offer group health insurance services throughout the state of New Hampshire, including the Manchester, Nashua, and Concord area. Our service area in southern Maine includes the following cities and counties: South Lebanon, Kittery, Eliot, Berwick, Sanford, Blaisdell Corners, Springvale, Emery Mills, Wells Beach, York Beach, Kittery Point, Kennebunk, Saco, Biddeford, Alfred, Portland, Scarborough, Westbrook, Waterboro, Shapleigh, Newfield, Buxton, Goodwins Mills, South Sanford, Cape Elizabeth, South Portland, York County, and Cumberland County, ME. |
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Risk Management Services - All rights reserved
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Group Health
Insurance
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Commercial Insurance
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Financial Services
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Managed Care:
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Fee-for-Service:
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(also Maine & Massachusetts Business)
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PPO Insurance Plan (Group Health Insurance - New Hampshire Business)
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A PPO group health insurance plan is recommended for a New Hampshire
business desiring to offer their employees convenient access to quality medical care with effective medical management, a large and diverse network of primary care physicians, medical specialists, hospitals and clinics. |
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An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other services as required in an HMO. An employee can see doctors or specialists outside your PPO network, however, your employees portion of the costs will be higher. |
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An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a New Hampshire PPO health insurance plan. |
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* Convenient access to quality medical care for employees
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* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
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Click on the link below to fill out a secure quote request form for a New
Hampshire PPO Group Health Insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage at an affordable cost for your New Hampshire business. Or speak with our Business Insurance specialist toll free at 1-800-678-3431 to discuss the features. |
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(also Maine & Massachusetts Business)
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Fee-for-Service:
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Managed Care:
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Learn more about the other types of Group Health Insurance we can offer your
New Hampshire business by clicking on a link below! |
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HMO Insurance Plan (Group Health Insurance - New Hampshire Business)
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An HMO group health insurance plan helps your New Hampshire business
control health care costs through a closely managed plan with an emphasis on preventive care. Each employee selects a Primary Care Physician from a network of providers. The Primary Care Physician can coordinate the total care of the employee to help ensure appropriate care is received. An employee may also seek care from any provider in the network without a Primary Care Physician referral, subject to a higher out-of-pocket expense. |
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Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list of participating doctors. That doctor is used for typical circumstances such as annual exams and usual health issues. If the employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will refer them to a provider or facility within the HMO system. Your employees doctor must give authorization for those services to be covered by your HMO. In other words, an employee must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit themselves. |
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* Preventive care emphasis
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* Primary care physician coordinates the total care of the employee
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Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
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An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in an New Hampshire HMO health maintenance plan. |
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Click on the link below to fill out a quote request form for a New Hampshire
HMO Group Health Insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage at an affordable cost for your New Hampshire business. Or speak with our Business Insurance specialist toll free at 1-800-678-3431 to discuss the features. |
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(also Maine & Massachusetts Business)
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Learn more about the other types of New Hampshire Group Health Insurance
we can offer your business by clicking on a link below! |
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Managed Care:
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Fee-for-Service:
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Insurance Plan (Group Health Insurance - New Hampshire Business)
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A POS or Point-of-Service group health insurance plan allows your New
Hampshire employees the option of accessing any medical provider without a primary care physician referral and receive the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers closely managed benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a lower level than for in-network care. |
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Costs that exceed the deductible are covered by a co-insurance plan in which
your employee and the insurance company share the cost for services covered by the policy. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a POS health insurance plan. |
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Click on the link below to fill out a quote request form for a New Hampshire
POS Group Health Insurance plan that regardless of whether you're a large employer or a small business, will provide comprehensive health insurance coverage at an affordable cost for your New Hampshire business. Or speak with our Business Insurance specialist toll free at 1-800-678-3431 to discuss the features. |
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(also Maine & Massachusetts Business)
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Learn more about the other types of New Hampshire Group Health Insurance
we can offer your business by clicking on a link below! |
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Fee-for-Service:
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Managed Care:
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Fee-for-Service or major medical group health insurance provides benefits up
to a high limit for most types of medical expenses incurred, subject to a deductible. Once the deductible is met, this type of group health insurance plan will pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you're responsible for paying the other 20%, which is known as co insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
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Fee-for-Service group health insurance allows your employee to choose their
doctor and any hospital for their medical services. Usually, an employee will have a deductible such as $500 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
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Fee-for-Service health insurance coverages for employer sponsored employee
benefits in New Hampshire typically offer the following: |
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* Employers and employees share premiums
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* Employees have the freedom to choose any provider
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* Insurance company pays the allowable claim
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Fee-for-Service group health insurance coverages offer more choice of
doctors (including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care health plans, such as HMO, PPO, and POS. Fee-for-Service employee health insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan in New Hampshire. |
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Click on the link below to fill out a quote request form for Fee-for-Service Group
Health Insurance that regardless of whether you're a large employer or a small business, will provide exceptional health insurance coverage at an affordable cost for your New Hampshire business. Or speak with our Business Insurance specialist toll free at 1-800-678-3431 to discuss the features. |
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Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your New Hampshire business in reducing employee benefit costs. |
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* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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Managed Care:
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(also Maine & Massachusetts Business)
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Learn more about the other types of New Hampshire Group Health Insurance
we can offer your business by clicking on a link below! |
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**The information, pictures, and other content in this website about particular
insurance or financial services is only provided for informational purposes. Any decisions regarding these services should be discussed with a licensed insurance agent or financial services representative. |
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Gorman Insurance &
Risk Management Services
396 High Street
Somersworth, NH 03878
Strafford County, NH
(603) 692-3431
(603) 868-3598 - Durham
Toll Free: 1-800-678-3431
Fax: (603) 692-2660
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Answer a few questions
and we will provide you with a quote by email or phone. Choose the Personal or Business insurance coverage you're interested in from the menu above. |
