New Jersey Group Health Insurance Information
(also Pennsylvania)
Sunrise Retirement Solutions and Insurance Planning Services has
created a strong relationship with some of the finest insurance carriers
serving New Jersey and Pennsylvania, 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 New Jersey 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 Group Health
Insurance Plans we can offer your New Jersey
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 New Jersey 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 secure quote request form for a
New Jersey 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
New Jersey Group Health Insurance specialist toll free at 1-800-
501-6199 to discuss the features.
We are a greater Philadelphia area insurance services agency, offering comprehensive
group life insurance plan options to businesses in the following New Jersey cities and
counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood, Runnemede,
Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran, Riverside, Edgewater
Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro, Woodlynne, Oaklyn, Gloucester
City, Brooklawn, Mt. Ephraim, Westville Grove, Colonial Manor, Red Bank, National
Park, Thorofare, Gibbstown, Bridgeport, Penns Grove, Almonesson, Fairview, Grenloch,
Hurffville, Turnersville, Erial, Pine Hill, West Berlin, Clementon, Barrington, Kirkwood,
Maple Shade, Mt. Laurel, Pitman, Sewell, Mantua, Centre City, Magnolia, Somerdale,
Berlin, Richwood, Mt. Royal, Glassboro, Ewan, Wenonah, Audubon, Haddonville,
Merchentville, Willingboro, Woodbury, Clarksboro, Mickleton, Repaupo, Paulsboro,
Williamstown, Sharptown, Ferrell, Auburn, Yorktown, Pedricktown, Pennsville, Vineland,
Millville, Gloucester County, Burlington County, Salem County, and Camden County, NJ.
We also offer group life insurance services throughout southeastern Pennsylvania,
including in Upper Darby, Drexel Hill, Yeadon, Sharon Hill, Collingdale, Darby, Folcroft,
Lansdowne, Norwood, Prospect Park, Glenolden, Havertown, Colwyn, Chester,
Cheltenham, Montgomery County, Bucks County, Delaware County, and Philadelphia
County, PA.
Employee Benefits
Sunrise Retirement Solutions and
Insurance Planning Services, LLC
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Personal Insurance
Group Health
Insurance
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
Answer a few questions
and we will provide you
with an insurance quote by
phone or email. Choose
the New Jersey or
Pennsylvania business or
personal insurance
coverage you're interested
in from the menu above.
Philadelphia Pennsylvania Area Employee Benefit Insurance Services
Your Philadelphia Area Employee Benefits Specialist
Managed Care:
Fee-for-Service:
SSL Secure
(also Philadelphia, PA area)
PPO Insurance Plan (New Jersey Group Health Insurance)
A PPO group health insurance plan is recommended for a New Jersey 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 New
Jersey PPO health insurance plan.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Fee-for-Service:
Managed Care:
Learn more about the other types of NJ Group Health Insurance we can offer
your business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a New Jersey
group PPO 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 New Jersey Group Health Insurance specialist toll free at
1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
HMO Insurance Plan (New Jersey Group Health Insurance)
An HMO group health insurance plan helps your New Jersey 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 an New
Jersey HMO health maintenance plan.
Learn more about the other types of NJ Group Health Insurance we can offer
your New Jersey business by clicking on a link below!
Managed Care:
Fee-for-Service:
SSL Secure
(also Philadelphia, PA area)
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (New Jersey Group Health Insurance)
A POS or Point-of-Service group health insurance plan allows your New
Jersey 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 POS health
insurance plan.
Learn more about the other types of New Jersey Group Health Insurance we
can offer your business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a secure quote request form for a New Jersey
group HMO 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 New Jersey Group Health Insurance specialist toll free at
1-800-501-6199 to discuss the features.
Click on the link below to fill out a secure quote request form for a New Jersey
group POS 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 New Jersey Group Health Insurance specialist toll free at
1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
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 New Jersey 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 New Jersey.
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your New Jersey business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Click on the link below to fill out a secure quote request form for a New Jersey
Fee-for-Service (Major Medical) 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 New Jersey Group Health
Insurance specialist toll free at 1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
Managed Care:
Learn more about the other types of NJ Group Health Insurance we can offer
your New Jersey business by clicking on a link below!
**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.