Help your clients save money on their healthcare costs

We find creative solutions

FILCO specializes in medical benefits and offers a wide range of solutions that can add real value to your clients’ benefits package and help brighten their employees’ lives. We help businesses of all sizes navigate through and comply with the Affordable Care Act (ACA). Our medical department will go above and beyond to customize a plan based on your clients’ specific requirements, giving them the cost control they need and the protection their employees deserve.

Massive opportunity in group benefits

Medical benefits are the core of an employee benefit program. Under the ACA, organizations with 50 or more full-time employees are required to offer insurance to 95% of their staff. This will likely affect many small businesses that previously may not have been interested in group benefits.

We work with the industry’s most dependable carriers, so your clients will have the best available medical plans for their situation.

We offer the following medical programs:

  • EPO (Exclusive Provider Organization)
    EPO is a network of medical care providers with coverage limited to these providers except in emergency cases. An EPO plan is generally the least expensive approach because patients have limited options when selecting a provider.
  • HMO (Health Maintenance Organization)
    Traditional HMO plans offer comprehensive coverage through a network of healthcare providers. Patients will need to request referrals for all specialist doctor visits. These plans typically carry a higher premium price tag and require co-payments for all doctor office visits.
  • PPO (Preferred Provider Organization)
    Unlike HMO, this plan provides the added flexibility of being able to select any healthcare providers without the need for referrals. PPO networks are also significantly larger than EPO networks and provide patients with a much greater choice of providers.
  • HDHP (High-deductible Health Plan)
    High-deductible health plans offer significant premium relief in exchange for a higher deductible. Insurance holders must pay for their medical expenses before the insurance coverage kicks in.

Contact FILCO’s Medical Team

Rob Murphy
Medical Sales Executive - NJ Manager
Phone: 732-704-5077

Ilana Arbeit
Medical Sales Executive - NY Manager
Phone: 646-658-6920