Call us: 703.961.8886
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Group Medical

  • Group Medical
  • Group Dental
  • Group Vision
  • Life Insurance / Accidental Death and Dismemberment (AD&D)
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Long-Term Care (LTC)
  • Employee Assistance Program (EAP)
  • Travel Insurance
  • Pet Insurance
  • Section 125 Cafeteria Plan
  • Consolidated Omnibus Budget Reconciliation Act (COBRA)
  • Legal Services
  • Qualified Retirement Plan
  • Travel insurance
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Group Medical Insurance

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Health insurance protects against the risk of incurring catastrophic medical, surgical, or pharmaceutical expenses and can reduce or eliminate the costs associated with routine preventive care. This coverage is provided by major carriers such as BlueCross BlueShield, Cigna, UHC and Aetna and there are also smaller carriers that offer mostly regional coverage such as Kaiser.

The most comprehensive medical coverage is provided by plans that are compliant with the Affordable Care Act (ACA). ACA compliant plans covers all preventative care with no copayment and no coinsurance. ACA plans also provide financial protection through their out-of-pocket limit. The OOP provides a set limit on the amount of money the policy holder might pay for medical services. Once the OOP limit is reached the carrier will pay all additional medical expenses through the end of the that plan year.

Medical plans come in 3 primary designs: Health Maintenance Organization (HMO), Point of Service (POS), and Preferred Provider Organizations (PPO). HMO’s tend to be the most cost efficient because they have a set network of doctors/providers that members may access and the prices for procedures have been negotiated up front. If an individual wants access to more doctors they can opt for the POS plan. This plan includes the use of an HMO doctor network but also includes out-of-network benefits which allows members to see any provider they wish but at reduced benefit coverage. The PPO plan offers members the largest, typically nationwide, network of providers usually the highest cost for that privilege.

Individuals should balance the level of coverage a plan provides with the cost associated with that coverage.

FAQ'S

What is the minimum number of employees I must have to be able to sign up for group benefits?

Group Medical Insurance plans require a minimum of two full time, unrelated employees to enroll.

What do you need to provide us with a quote?

We require a census with detailed information, including member names, dependents, date of birth, gender and zip codes.

What kind of affordable plans are available for me to offer to my employees?

The ACA mandated different medals, namely, bronze, silver, gold and platinum. The differences in these plans lies in the deductible, coinsurance and out-of-pocket maximum.

What is a deductible? What is a coinsurance? What is a copay?

A deductible (link) is the first dollars spent prior to the carrier providing coverage on an annual basis, this is an annual amount that varies by policy.

A coinsurance (link) is a percentage the insured pays based on their plan design, this is subject to an annual out-of-pocket maximum.

A copay (link) is a fixed dollar amount paid per visit, also subject to the annual out-of-pocket maximum.

What is an annual out-of-pocket maximum?

An annual out-of-pocket maximum is a dollar figure that delineates the maximum an insured individual will pay in any plan year, including deductibles, coinsurances and copays.

What is needed in order to start this program?

In order to implement the group plan chosen, you need the following: Group Application, Employee Applications, Quarterly Wage and Tax Report and a check for the first month’s premium. In the event of a new business, additional documentation may be required.

What is the deadline for providing the implementation documentation? How long will it take for the plan to be active?

The insurance carriers require all completed documentation to be received by the 15th of the month, prior to the plan effective date. It is prudent to have all completed documentation by the 10th to comply with the insurance carrier’s guidelines. Plan implementation and the mailing of ID Cards may be delayed if the information is not received in a timely fashion. The DC Exchange may have more stringent guidelines.

What is COBRA?

COBRA is the Consolidated Omnibus Budget Reconciliation Act of 1985. This allows terminated employees to keep their benefits and pay for the cost of benefits out of pocket for a maximum duration of 18 months.

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Group Medical

Group Dental

Group Vision

Life Insurance

Accidental Death and Dismemberment (AD&D)

Short-Term Disability (STD)

Long-Term Disability (LTD)

Long-Term Care (LTC)

Employee Assistance Program (EAP)

Pet Insurance

Section 125 Cafeteria Plan

Legal Services

Consolidated Omnibus Budget Reconciliation Act (COBRA)

Qualified Retirement Plan

Travel Insurance

Carriers

aetna logo
united_healthcare
anthem bluecross blueshield logo
carefirst logo
cigna logo
avesis
life secure
guardian
prime pay
dominion_national
reliance standard
bdg
mutual of omaha
national general
principal
humana
unum
metlife
transamerica
kaiser permanente
the hartford
sun life financial
vsp global
tasc ventures
delta dental
colonial life
lincoln financial group

CONTACT US

Address

4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

Email Address

info@questinsurance.us

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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