George Koury | Health

With a rapidly changing marketplace and rising health insurance premiums, employers are finding it difficult to provide employees with comprehensive, affordable coverage. With George Koury & Associates at your side, we can ease your concerns. We offer information on:

Preferred Provider Organizations (PPO) An arrangement under which an insurance company or employer negotiates discounted fees with networks of health-care providers in return for guaranteeing a certain volume of patients. Enrollees in a PPO can elect to receive treatment outside the network but will have to pay higher co-payments or deductibles.

Point of Service Plans (POS) This plan is a managed care program with two components: in-network benefits and out-of-network benefits. You receive the highest level of coverage when you receive in-network benefits. When you receive out-of-network benefits, you will incur higher out-of-pocket expenses. You will be responsible for meeting an annual deductible before services are reimbursed and paying a fixed percentage coinsurance amount or co-payment. You may also need to pay the difference between the insurance carriers and the actual charges for the services received.

Premium Only Plan (POP) POPs are available to employees or regular corporations, S corporations, limited liability companies (LLCs), partnerships, sole proprietors, professional corporations, and not-for-profits. Those who are not eligible for POPs may still benefit from the savings on payroll taxes by offering the plan to their employers.

Health Maintenance Organizations (HMO) An organized system for providing health care in a geographic area that assures delivery of basic and supplemental health maintenance and treatment services to a voluntary enrolled group of people for a predetermined, fixed prepayment fee. You receive your care from a panel of participating providers or network.

"It has only been about six months since we started our association with George Koury and Associates, but the transition was smooth and they have provided excellent service. They have handled all our problems and questions courteously and efficiently. I would highly recommend George Koury and Associates for your insurance needs."

- Carolyn Kresmery, Atlantic Distributors, Inc.


Home Individual Insurance Health Life & Disability Long-Term Care Group Insurance Employee Benefits Health AFLAC HSA/HRA/FSA Business Liability Homeowners Auto Insurance Why GK About GK Request A Quote Free Benefit Audit Contact GK 904-262-8400 toll-free 866-458-8664 info@georgekoury.com		With a rapidly changing marketplace and rising health insurance premiums, employers are finding it difficult to provide employees with comprehensive, affordable coverage. With George Koury & Associates at your side, we can ease your concerns. We offer information on: Preferred Provider Organizations (PPO) An arrangement under which an insurance company or employer negotiates discounted fees with networks of health-care providers in return for guaranteeing a certain volume of patients. Enrollees in a PPO can elect to receive treatment outside the network but will have to pay higher co-payments or deductibles. Point of Service Plans (POS) This plan is a managed care program with two components: in-network benefits and out-of-network benefits. You receive the highest level of coverage when you receive in-network benefits. When you receive out-of-network benefits, you will incur higher out-of-pocket expenses. You will be responsible for meeting an annual deductible before services are reimbursed and paying a fixed percentage coinsurance amount or co-payment. You may also need to pay the difference between the insurance carriers and the actual charges for the services received. Premium Only Plan (POP) POPs are available to employees or regular corporations, S corporations, limited liability companies (LLCs), partnerships, sole proprietors, professional corporations, and not-for-profits. Those who are not eligible for POPs may still benefit from the savings on payroll taxes by offering the plan to their employers. Health Maintenance Organizations (HMO) An organized system for providing health care in a geographic area that assures delivery of basic and supplemental health maintenance and treatment services to a voluntary enrolled group of people for a predetermined, fixed prepayment fee. You receive your care from a panel of participating providers or network. "It has only been about six months since we started our association with George Koury and Associates, but the transition was smooth and they have provided excellent service. They have handled all our problems and questions courteously and efficiently. I would highly recommend George Koury and Associates for your insurance needs." - Carolyn Kresmery, Atlantic Distributors, Inc.
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