North Carolina Group Health Insurance (Cary, NC Area)
Ed Moore & Associates has created a strong relationship with some
of the finest insurance carriers serving the Cary, North Carolina
area, while maintaining our primary focus of serving the employer's
needs.
A lot of North Carolina 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 North Carolina 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 business in North
Carolina choose to have their employees make a contribution towards
the cost of health insurance coverage.
Managed Care vs. Fee-for Service Insurance
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 North Carolina Group Health Insurance Plans we can offer
your Cary, NC area small 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 Cary, NC area
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 secure quote request form for a Cary, North Carolina area 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 speak with our North Carolina Group Health Insurance specialist at (919) 467-6339 to
discuss the insurance policy features in more detail.
Managed Care:
Fee-for-Service:
PPO Insurance Plan (North Carolina Group Health Insurance)
A North Carolina PPO group health insurance plan is recommended for a 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. A
Cary, NC area 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
North Carolina 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 secure quote request form for a Cary, North Carolina area 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 North Carolina Group Health Insurance
specialist at (919) 467-6339 to discuss the features.
Fee-for-Service:
Managed Care:
Learn more about the other types of North Carolina Group Health Insurance we can offer your
Cary, NC area small business by clicking on a link below!
HMO Insurance Plan (North Carolina Group Health Insurance)
A North Carolina HMO group health insurance plan helps your Cary, North Carolina area 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.
A Cary, North Carolina area 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 North Carolina HMO health maintenance plan.
Learn more about the other types of North Carolina Group Health Insurance we can offer your
North Carolina small business by clicking on a link below!
Managed Care:
Fee-for-Service:
Click on the link below to fill out a secure quote request form for a Cary, North Carolina area 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 speak with our North Carolina Group Health Insurance specialist at
(919) 467-6339 to discuss the policy features in more detail.
A POS or Point-of-Service group health insurance plan allows your North Carolina 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 North Carolina 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 North Carolina POS health insurance plan.
Click on the link below to fill out a secure quote request form for a Cary, North Carolina area 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 speak with our North Carolina Group Health Insurance specialist at
(919) 467-6339 to discuss the features.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan - North Carolina Group Health Insurance
Learn more about the other types of North Carolina Group Health Insurance we can offer your Cary,
NC area small business by clicking on a link below!
Fee-for-Service:
Managed Care:
North Carolina 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.
North Carolina 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 North
Carolina 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
North Carolina small business in reducing employee benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
North Carolina 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 North Carolina.
Learn more about the other types of North Carolina Group Health Insurance we can offer your
Cary, NC area business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a Cary, North Carolina area 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 speak with our North Carolina Group Health
Insurance specialist at (919) 467-6339 to discuss the insurance policy features.
Managed Care:
Ed Moore & Associates, Inc.
103-B Kilmayne Drive
Cary, North Carolina 27511
Wake County, NC
Office: (919) 467-6339
Fax: (919) 467-6434

ED MOORE
& Associates, Inc.
Always here when you need us. Protecting
hundreds of North Carolina families and businesses.
PERSONAL INSURANCE
BUSINESS INSURANCE
Experience - Dedication - Insurance Options
As an independent insurance agency we work for you.
We find the best, most affordable insurance products
from our wide range of insurance carrier options.
Professionalism - Small Business Specialists
Whether you are searching for better group health insurance
options or just starting your small business, we can help.
Group Health
Ed Moore & Associates, Inc.
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We are a Cary, NC insurance agency offering affordable North Carolina group health insurance
policy plans to small business employees in the following towns, cities and counties in central
North Carolina: Raleigh, Morrisville, Apex, Garner, Green Level, New Hope, Neuse, Bayleaf, Falls,
Wake Forest, Forestville, Bethesda, Carpenter, Lowes Grove, Auburn, Holly Springs, Chapel Hill,
Durham, Knightdale, Macedonia, New Hill, Brentwood, McCullers, Farrington, Leesville, Durham
County, Orange County, Chatham County, and Wake County, NC.
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provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email,
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