Group Health Insurance

Group Health Insurance Information from Federated Insurance

Group Health

Value-Added Group Health Products

Federated’s group health insurance plans called Federated Health Choice^® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon): Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.
Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical, life, disability income, and dental plan options.
Federated Insurance does not offer individual health insurance plans.

Federated’s group health insurance plans called Federated Health Choice^® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):
Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.
Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical, life, disability income, and dental plan options.
Federated Insurance does not offer individual health insurance plans.

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:

Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
Catastrophic transplant coverage – Full policy limits apply – no hidden sublimits.
Open formulary list for prescription drugs – No list that omits certain drugs.
Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

Many plan designs and options – Numerous plan design options available, choose from a variety of deductible, coinsurance and copay plan designs.
Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses. Freedom Services provides administration services for our DRP.
Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.

More than 100 local, state, and national trade associations recommend Federated’s group products to their members.
*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details.

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.
You can select from Weekly Income Benefit schedules for 26 weeks:

$100
$150
$200
$300
$400
$500

The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.
Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.
Contact your local Federated representative for more information on all Federated Group Plans.
*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details

Group Dental

Sign On

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan.

Benefit options available

$500 for each covered individual (per calendar year)
$1,000 for each covered individual (per calendar year)
$1,500 for each covered individual (per calendar year)
$2,000 for each covered individual (per calendar year)

Calendar-year deductible

For each insured family member – $50
Aggregate family deductible – $100

The deductible does not apply to preventive services.

Coinsurance

Dental plans written after 2006 pay 100 percent of preventive services
Dental plans written prior to 2007 pay 80 percent of preventive services
Dental plan pays 80 percent of basic services
Dental plan pays 50 percent of major services

Contact your Federated representative for more information on all Federated Group Plans.
*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details.

Lewis Insurance / Nationwide Insurance - Austin, Texas

Thursday, July 11, 2013