Health Insurance

Health Insurance for your Business – taking care of you and your employees

Offering your employees a business a business health insurance plan not only identifies you as an employer that cares about the well being of your employees, but it gives employees a benefit they need. By offering a health insurance plan you are looking out for the wellness of your employees and increasing the likelihood that you will retain employees long term.

Business health insurance plans cover several benefits that emloyees need. Many offer wellness programs that encourage and even reward healthy behaviours and can help identify medical conditions when they first appear through preventative care benefits. Prescription drug benefits (including mail order programs) can also be a major concern for employees who depend on drugs to manage chronic conditions or to help to restore them to full health when sick. Affordable and easy access to these drug benefits will help employees receive the medication they need to be able to live a happy and productive life.

What Business Health Insurance Plan is right for your company?

Understanding the different plans available will help you make the right decision on what to offer for your organization. Here is brief overview of the different options available:

Full Insured Plans

The Employer works with a third party that assumes financial responsibility for all of the enrolled members medical claims, and handles all of the administrative costs for the program.

Level Funded Plans

Level funded premium is a unique type of self-funding for businesses. It lets companies better manage their healthcare budget and increase cash flow by paying the same premium every month.

Managed Care Plans

These plans offer comprehensive health care services to their members, and offer financial incentives for patients to utilize providers that belong to the plan network.

Physician-Hospital Organization

Theses are alliances between hospitals and physicians that help providers gain larger market share, improve negotiating power and reduce administrative costs.

High Deductible Health Plans

These plans are identified by offering higher deductibles than traditional insurance plans. HDHPs can be combined with a Health Savings Account (HSA) or Health Reimbursement Arrangement. (HRA) .

Health Care Accounts –

A Pre-Tax benefit to help control costs

One of the benefits packages that can be offered are healthcare accounts. These can be used to provide tax advantages and help employees get more out of their health care dollars.

Flexible Spending Accounts/Arrangements (FSA)

Employers can offer and administer FSA programs that allow employees to set aside pre-tax dollars to pay for their portion of insurance premiums or medical expenses that aren’t covered by the employers health plan.


Health Reimbursement Accounts (HRA)

Setup by employers to pay for specific medical expenses, a Health Reimbursement Account is owned by the employer but administered by a third party that handles reimbursement as claims are submitted. HRAs are funded solely by the employer in the amount that they decide.


Health Savings Accounts (HSA)

This is best for employees enrolled in a High Deductible Health Plan as it provides a tax-advantages medical savings account. HSAs can be funded either by the employer or the employee and are owned by the employee. Funds contributed to the HSA are tax-free and are used to pay for health care expenses that are qualified under the terms of the program.

Metro Cost Insurance can help you maximize your Health Insurance investment

Keeping employees happy and healthy can be a direct result of the investment you make when you offer business health insurance. WorksitePAY will give you more than just healthcare options – you will be getting an experienced and knowledgeable staff of professionals that will be there to help you every step of the way. We can help develop your current and future health insurance needs and are committed to helping you simplify the entire process. We will help reduce administrative tasks, identify the most effective group healthcare plans, and eliminate having to worry about the complex task of selecting the right insurance plans for your organization.

Ready to get started?

Learn how WorksitePAY can tailor solutions to help solve your business needs.

Book a demo online and one of our HR Specialists will be in touch to discuss your goals and how Worksite PAY can help you achieve them.

Worksite PAY is the HR outsourcing solution that offers companies coverage of their HR, payroll and benefits administration needs.

25950 Acero, Suite #345
Mission Viejo, CA 92691
(833) 967-5736


25950 Acero, Suite #345
Mission Viejo, CA 92691
(833) 967-5736