Maryland Group Health Insurance Information
(also northern Virginia & the District of Columbia)
Brown Insurance Group has created a strong relationship with some of
the finest insurance carriers serving Maryland, while maintaining our
primary focus of serving the employer's needs.
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.
As the cost of health care continues to increase at a
rate much faster than inflation, many large employers
and small businesses in Maryland choose to have
their employees make a contribution towards the cost
of health insurance coverage.
Managed Care vs. Fee-for Service
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.
Learn more about the types of Maryland Group Health
Insurance plans we can offer your business by clicking
on a link below!
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.
Click on the link below to fill out a quote request form for a
Maryland 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 you can speak with
our Maryland Group Health Insurance specialist at 301-933-5500
to discuss the insurance policy features in more detail.
We are a Silver Spring, MD full-service insurance agency, offering comprehensive
Maryland group health insurance plan services to large and small business located in
the following cities and counties: Wheaton, Silver Spring, Bethesda, Aspen Hill, White
Oak, Takoma Park, Randolph Hills, Veirs Mill, Kensington, Kemp Mill Estates, Rock
Creek Forest, Chevy Chase, Woodmont, Garrett Park, Oakmont, Calverton, Fairland,
Springbrook, Glenmont, Foxhall, Layhill, Colesville, Meadowood, Rockville, Laurel,
Gaithersburg, Good Hope, College Park, Greenbelt, Montpelier, Adelphi, Langley Park,
Berwyn Heights, Knollwood, Beltsville, Maryland City, Riverdale, Hyattsville, Chillum,
Lewisdale, University Park, New Carrollton, Landover Hills, Bladensburg, Cheverly, Kent
Village, Somerset, Chevy Chase View, Glen Mar Park, Westgate, Brookmont,
Luxmanor, Montrose, Potomac, Glen Hills, Derwood, Washington Grove, North
Potomac, Redland, Olney, Sandy Spring, Norwood Corner, Ashton, Ednor, Spencerville,
Burtonsville, Good Hope, Fulton, Savage, Bowie, Crofton, Kettering, Forestville, District
Heights, Capitol Heights, Columbia, Annapolis, Germantown, Brinklow, Brookeville,
Highland, Simpsonville, Brighton, Clarksville, Laytonsville, Damascus, Dayton, Unity,
Glenelg, West Friendship, Seneca, Dawsonville, Poolesville, Towson, Baltimore,
Montgomery County, District of Columbia, Prince Georges County, Howard County,
Anne Arundel County, and Baltimore County, MD. We also offer group health insurance
plan coverages for your small business if it's located in the state of Maryland or northern
Virginia, including Arlington, Alexandria, McLean, Falls Church, Annandale, Reston,
Fairfax, Vienna, Herndon, Sterling, Leesburg, and Manassas, VA.
Managed Care:
Fee-for-Service:
PPO Insurance Plan (Maryland Group Health Insurance)
A PPO group health insurance plan is recommended for a Maryland 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.
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.
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 Maryland
PPO health insurance plan.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Click on the link below to fill out a quote request form for a Maryland 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 Maryland business. Or you can speak
with our Maryland Group Health Insurance specialist at 301-933-5500 to
discuss the insurance policy features in more detail.
Fee-for-Service:
Managed Care:
Learn more about the other types of Maryland Group Health Insurance we can
offer your small business by clicking on a link below!
HMO Insurance Plan (Maryland Group Health Insurance)
An HMO group health insurance plan helps your Maryland 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.
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.
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
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.
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 Maryland
HMO health maintenance plan.
Click on the link below to fill out a quote request form for a Maryland 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 Maryland business. Or you can
speak with our Maryland Group Health Insurance specialist at 301-933-5500
to discuss the policy features in more detail.
Learn more about the other types of Maryland Group Health Insurance we can
offer your small business by clicking on a link below!
Managed Care:
Fee-for-Service:
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Maryland Group Health Insurance)
A POS or Point-of-Service group health insurance plan allows your Maryland
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.
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 Maryland POS
health insurance plan.
Click on the link below to fill out a quote request form for a Maryland 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 Maryland business. Or you can
speak with our Maryland Group Health Insurance specialist at 301-933-5500
to discuss the insurance policy features.
Learn more about the other types of Maryland Group Health Insurance we can
offer your small business by clicking on a link below!
Fee-for-Service:
Managed Care:
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.
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.
Fee-for-Service health insurance coverages for employer sponsored employee
benefits in Maryland typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
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 Maryland.
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 Maryland business. Or you can speak with our Maryland Group
Health Insurance specialist at 301-933-5500 to discuss the features in more
detail.
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your Maryland business in reducing employee benefit
costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Managed Care:
Learn more about the other types of Maryland Group Health Insurance we
can offer your business by clicking on a link below!
**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.
Employee Benefits
Business Insurance
Group Health
Insurance
Brown Insurance Group
12118 Heritage Park Circle
Silver Spring, Maryland 20906
Montgomery County, MD
(301) 933-5500
Fax: (301) 933-6955

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