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.
Group Medical
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.
- 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
- Employee Choice—Federated offers employers an opportunity to buy multiple plans for their employees while contributing a defined amount of premium. This allows the employer to better control costs while offering choice to each employee.
- 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.
- Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses.Freedom Services is available to provide administration services for your DRP.
- 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.
Group Dental
Sign OnDental 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. Firms with 50 or fewer employees that do not purchase dental coverage will be issued a dental policy to provide the pediatric dental coverage required as an essential health benefit by the Affordable Care Act (ACA) for those age 18 and under.
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 plan pays 100 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.
Group Life
nDo Your Employees Have Life Insurance?
You can include life insurance among your employee benefits with a Federated Group Life Insurance plan. This important protection is available to businesses covered under a Federated Group Medical Plan.
Level amount option
Employer chooses a flat amount of coverage for all employees, with amounts between $15,000 and $50,000 (or up to $100,000 if 10 or more employees are enrolled).
Class-based amount option
Employer chooses the schedule. The amount for each employee is based on the employee’s occupation or position – $15,000 to $50,000 (or up to $100,000 if 10 or more employees are enrolled).
Accidental death and dismemberment coverage is included for both the level amount and class-based options.
Contact your Federated representative for more information on all Federated Group Plans.
Group Disability Income
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.
Health Care Reform
Patient Protection and Affordable Care Act (“PPACA” or “ACA”)
Enacted March 23, 2010
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.
ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.
ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.
Affordable Care Act – General Information
Affordability
Age Rating
Employer Penalties
Essential Benefits
Exchanges
Fraud
Grandfathered Plans
Guarantee Issue
Health Care Costs
Health Insurance Tax
Medical Loss Ratio
Notices
Personal Coverage Requirement
Preventive Care Benefits
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
2525 S. Lamar Ste 11
Austin, TX
78704
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