Barclay West

What Clients Are Saying. . .

Student Health Plans

Are your children away at college? Is your group health plan getting too expensive for your school age kids? We can help

Medical Plans

Health Plan Types and Characteristics:

Fee-for-Service: Health coverage that reimburses health care providers for services for employees. Tends to be the most costly for employers.

Health Maintenance Organization (HMO)

Covers services performed solely by providers in a network. This tends to be a low cost system, but is more restrictive than other plans.

Preferred Provider Organization (PPO)

Has a network of providers, but also allows use of medical providers outside of the plan’s network (typically with greater employee cost-sharing). Referrals may not be required. Is more flexible than an HMO, but also more expensive generally.

Point-of-Service Plan (POS)

Plan combines elements of an HMO and PPO. Each time employees need health care, they can choose how it will be received. If an employee initially sees a PCP and stays in-network, then more substantial benefits will be received versus not seeing a PCP first.

Consumer-Directed Health Plan (CDHP)

A high deductible health plan paired with a tax-advantaged account to pay for medical expenses. The most prominent options are Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) used in conjunction with savings accounts.

In addition to their excellent service, in 2010 Barclay West recommended and assisted with the implementation of a new regional medical carrier and achieved an overall annual premium saving of $92,000 for our 120 employees."

HR Director, Sacramento, CA

Regional Bank