Why Choose Baron for Health Insurance?

  Reduce Your Health Insurance Costs…And Make It a One-Step Process

It just makes sense to let Baron handle your group health insurance needs because of the close relationship between payroll and health insurance.

  Baron Helps You Avoid Expensive Mistakes

Companies rarely forget to terminate an employee from payroll, but often overlook canceling the health insurance. Your insurance carrier will not refund these overpayments. With Baron it’s a simple, one-step process. You terminate someone from payroll and we’ll make sure they’re cancelled from your health insurance plan.

With Baron’s help handling your health insurance, we’ll also make sure the correct amount for the employee’s portion of health insurance is withheld from their pay checks. Never worry about forgetting to change payroll deductions if employees change their tier from single coverage to family coverage. It’s an easy, one-step process again with Baron. When you notify Baron with the change in the employee’s health insurance coverage, Baron will make sure to change their payroll deduction.

Your Options Are Endless

Baron offers all health insurance carriers available in the Metro New York marketplace. We offer the traditional HMO, PPO, EPO, and POS plans.

Baron also offers the newer, consumer-driven health plans such as HSA’s (Health Savings Accounts) and HRA’s (Health Reimbursement Arrangements) with cost-share plans. With these plans, some of our clients have greatly reduced their premiums and created big savings and tax advantages for themselves. Let us help you shop for the best plan(s) for your company.

Our research indicates that most of the time companies only speak their health insurance broker once a year…at renewal time. Our clients speak with us every payroll and find it much simpler and more efficient to allow Baron to handle their health insurance needs as well.

On your annual policy renewal, Baron will offer you options. We’ll quote your same carrier with slightly different coverage options and shop other health plans. This way you will be sure that your health plan provides the best possible coverage available for your company at the lowest possible cost.

Exactly What Are the Differences Between HMO, PPO, POS and EPO?

   Health Maintenance Organization (HMO)

On average, HMOs are the least expensive and the least flexible health option. HMO’s negotiate with specific doctors, hospitals, and clinics to provide health care at lower costs. HMO’s require that you only see doctors who are in your HMO network. Patients select a "primary care physician" to take care of your routine medical needs. This doctor is also able to refer you to a specialist within your HMO if needed.

  Preferred Provider Organization (PPO)

A PPO is more flexible and more expensive than an HMO plan and allows you to visit out-of-network providers. With a PPO there is no gatekeeper and you do not need a referral from your primary physician to see a specialist. The low co-pay gives you the financial incentive to remain inside your network. Straying from your PPO network could mean that you will have to pay for the treatment and submit the receipt to your PPO insurance provider for a partial reimbursement. A PPO generally reimburses up to 70 -80% of out-of-network costs, after your deductible is met.

   Exclusive Provider Organization (EPO)

EPO’s are a more restrictive type of PPO plan under which employees must use providers from the specified EPO network of physicians and hospitals to receive coverage; there is no coverage for care received from a non-network provider except in an emergency situation. The cost of most EPO plans fall between that of HMO’s and PPO’s.

   Point-of-Service Plan (POS)

The POS plan is like a combination of the HMO and PPO plans. You are required to designate an in-network physician to be your primary health care provider. You also can go to an out-of-network doctor if you choose. If you go out-of-network, you will have to pay most of the cost yourself, unless a primary care physician refers you to that specific doctor. In instances like that, the PPO health plan will then pick up your tab.

  We represent every insurance carrier and will help you find the best deal.

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