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Minnesota Group Health Insurance
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The Baecker Insurance Agency has created a strong relationship over more than
a decade with one of the finest insurance carriers serving Minnesota, 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 Minnesota 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 Employee Health Insurance
Plans we can offer your 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 Minnesota
Group Employee Health Insurance plan that regardless of whether you're a large employer or a small business, will provide exceptional health insurance coverage for your businesses most important asset...your employees. Or you can speak with one of our Minnesota Group Health Insurance specialists toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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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 employee 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 Minnesota. |
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Click on the link below to fill out a quote request form for Minnesota 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 Minnesota business. Or you can speak with one of our Minnesota Group Health Insurance specialists toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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We are your local St. Paul, Minnesota insurance agency, offering experienced Group
Employee Health Insurance services to businesses in the following Twin Cities area towns and counties: Minneapolis, Bloomington, Roseville, Maplewood, North St. Paul, Oakdale, Woodbury, Cottage Grove, South St. Paul, Inver Grove Heights, Eagan, West St. Paul, Richfield, Burnsville, Edina, Lilydale, Mendota Heights, St. Paul Park, Lake Elmo, Newport, Cedar Grove, Savage, Shakopee, Eden Prairie, Minnetonka, Hopkins, St. Louis Park, Plymouth, Golden Valley, Columbia Heights, New Hope, Crystal, Robbinsdale, Brooklyn Center, Fridley, New Brighton, Maple Grove, St. Anthony, Arfen Hills, Shoreview, Vadnais Heights, Little Canada, White Bear Lake, Mahtomedi, Grant, Bellaire, North Oaks, Gem Lake, Mounds View, Lino Lakes, Blaine, Coon Rapids, Spring Lake Park, Lexington, Afton, Lakeland, Bayport, Stillwater, Apple Valley, Andover, St. Cloud, Mankato, Rochester, Duluth, Anoka, Champlin, Andover, Oak Grove, St. Michael, Hanover, Scandia, Forest Lake, Wyoming, Rosemount, Hastings, Vermillon, Coates, Ramsey County, Hennepin County, Dakota County, Anoka County, and Washington County, MN. We also offer group health insurance services in the remainder of Minnesota and throughout Wisconsin. |
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Proudly serving all of Minnesota
and Wisconsin for over a decade! |
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Baecker Insurance Agency, Inc.
373 Pedersen Street, Suite 104
St. Paul, Minnesota 55119
Ramsey County, MN
(651) 730-6666
Toll Free: 1-877-730-4678
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Copyright 2005 - 2008 Baecker Insurance Agency, Inc. - All rights reserved
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Managed Care:
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Fee-for-Service:
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(also Wisconsin)
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PPO Insurance Plan (Minnesota Group Health Insurance)
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A PPO group health insurance plan is recommended for a Minnesota 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 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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Fee-for-Service:
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Managed Care:
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Learn more about the other types of Minnesota Group Health Insurance we can offer
your business by clicking on a link below! |
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Click on the link below to fill out a quote request form for a Minnesota PPO Group
Employee Health Insurance plan 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 Minnesota business. Or you can speak with one of our Minnesota Group Health Insurance specialists toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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(also Wisconsin)
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HMO Insurance Plan (Minnesota Group Health Insurance)
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An HMO group health insurance plan helps your Minnesota 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 HMO health maintenance plan. |
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Click on the link below to fill out a quote request form for a Minnesota HMO Group
Employee Health Insurance plan 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 Minnesota business. Or you can speak with one of our Minnesota Group Health Insurance specialists toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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(also Wisconsin)
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Managed Care:
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Fee-for-Service:
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Learn more about the other types of Minnesota Group Health Insurance we can offer
your business by clicking on a link below! |
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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 (Minnesota Group Health Insurance)
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A POS or Point-of-Service group health insurance plan allows your Minnesota 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 Minnesota POS Group
Employee Health Insurance plan 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 Minnesota business. Or you can speak with one of our Minnesota Group Health Insurance specialists toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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(also Wisconsin)
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Learn more about the other types of Minnesota 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 health insurance coverages for employer sponsored employee benefits
in Minnesota 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 plans also offer some Managed Care type of insurance options that can
assist your Minnesota 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 Wisconsin)
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Learn more about the other types of Minnesota Group Employee 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
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Group Health
Insurance
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Group Life Insurance Specialists
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