Wisconsin Group Health Insurance
Radtke-Rhone Insurance Agency has created a strong
relationship with some of the finest insurance carriers
serving Wisconsin, 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 Wisconsin choose to have
their employees make a contribution towards the cost
of health insurance coverage.
Also, self funding the Prescription Drug portion of the Group Health Plan
can potentially result in substantial health insurance cost savings. Contact
us for information and to setup a self funded prescription drug plan.
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 Wisconsin 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 Wisconsin business needs
to review 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 Wisconsin 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 Wisconsin small business Group Health Insurance specialist at
(920) 982-3048 to discuss the policy features in more detail.
We are a local Waupaca and Outagamie County insurance agency, offering
comprehensive Wisconsin group health insurance coverage services to
businesses in the following cities and counties: New London, Appleton,
Waupaca, Northport, Weyauwega, Shiocton, Manawa, Bear Creek, Hortonville,
Fremont, Medina, Mackville, Greenville, Larsen, Winchester, Zittau, Neenah,
Menasha, Kimberly, Holland, Kaukauna, Wrightstown, Little Chute, Freedom,
Black Creek, Oneida, Howard, Allouez, Ashwaubenon, De Pere, Bellevue,
Anston, Flintville, Pulaski, Suamico, Sobieski, Angelica, Zachow, Sampson,
Shawano, Bonduel, Krakow, Seymour, Nichols, Navarino, Belle Plaine,
Embarrass, Pella, Caroline, Leopolis, Marion, Clintonville, Split Rock, Thornton,
Tigerton, Big Falls, Symco, Royalton, Ogdensburg, King, Scandinavia, Iola,
Amherst, Tustin, West Bloomfield, Pine River, Berlin, Plover, Stevens Point,
Winnebago, Oshkosh, Winneconne, Borth, Omro, Sheboygan, Manitowoc,
Fond du Lac, Wausau, Shawano County, Winnebago County, Calumet County,
and Waushara County, WI.
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.
Wisconsin 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 Wisconsin 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 plans also offer some Managed Care type of insurance
options that can assist your Wisconsin business in reducing employee benefit
costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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 Wisconsin.
Click on the link below to fill out a quote request form for a Wisconsin 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 Wisconsin Group Health Insurance
specialist at (920) 982-3048 to discuss the policy features in more detail.
Managed Care:
Fee-for-Service:
PPO Insurance Plan (Wisconsin Group Health Insurance)
A PPO group health insurance plan is recommended for a Wisconsin small
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 Wisconsin 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 Wisconsin Group Health Insurance we can
offer your business by clicking on a link below!
Click on the link below to fill out a quote request form for a Wisconsin 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
Wisconsin Group Health Insurance specialist at (920) 982-3048 to discuss the
features.
HMO Insurance Plan (Wisconsin Group Health Insurance)
An HMO group health insurance plan helps your Wisconsin small 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 Wisconsin
HMO health maintenance plan.
Learn more about the other types of Wisconsin Group Health Insurance we can
offer your WI 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 (Group Health Insurance - Wisconsin Business)
A POS or Point-of-Service group health insurance plan allows your Wisconsin
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 Wisconsin POS health
insurance plan.
Learn more about the other types of Group Health Insurance we can offer your
Wisconsin small business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a quote request form for a Wisconsin 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
Wisconsin Group Health Insurance specialist at (920) 982-3048 to discuss the
features in more detail.
Click on the link below to fill out a quote request form for a Wisconsin 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
Wisconsin Group Health Insurance specialist at (920) 982-3048 to discuss the
policy features in more detail.
Managed Care:
Learn more about the other types of Wisconsin Group Health Insurance we can
offer your small 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.
Wisconsin Group Health Insurance Information
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Business Insurance
Radtke-Rhone
Insurance Agency, Inc.
Radtke-Rhone
Insurance Agency, Inc.
P.O. Box 210
315 Burton Rd
New London, WI 54961
Waupaca County, Wisconsin
(920) 982-3048
Toll Free: (800) 371-3048
Fax: (920) 982-2584
Toll Free
(800) 371-3048
Radtke-Rhone Insurance Agency, Inc.
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Wisconsin Group Health Insurance