Health Insurance

Group options for your business

Navigate the confusing world of health insurance with help from an independent agent

A healthy body is a happy body, and there’s no better way to preserve your workers’ health than with group health insurance from Jeff Munns Agency, Inc. Let’s face it, medical procedures can be very expensive. Without health insurance coverage, your employees could end up in a financial disaster.

Jeff Munns Agency, Inc. can help you find competitive group healthcare plans that are right for your business. Call 402-436-2140 and talk with one of our friendly agents today to learn more.

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Major Types of Health Coverage

These types of health insurance plans may offer medical, surgical, and hospital expenses for an individual or family. Some plans may offer may offer dental expenses, mental health services, and prescription drugs, depending on the policy type.


Exclusive Provider Organization (EPO)

A managed care plan where services are covered only if employees use doctors, specialists, or hospitals in the plan’s network (except in an emergency).


Health Maintenance Organization (HMO)

A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require individuals to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.


Point of Service (POS)

A type of plan where your employees pay less if they use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require individuals to get a referral from their primary care doctor in order to see a specialist.


Preferred Provider Organization (PPO)

A type of health plan where your employees pay less if they use providers in the plan’s network. They can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

Common Health Insurance Terms

What you need to know

When discussing health insurance with your agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.

  • Deductible — the amount of money an individual or family pays toward medical bills before insurance coverage begins.
  • Co-pay — a specified amount of money paid upfront for doctor visits and prescription refills.
  • Co-insurance — the percentage of medical bills an individual pays after meeting the deductible.

Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.

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