Medical Insurance

We find creative solutions

Benchmark Planning Group specializes in e-benefits and offers a wide range of solutions that can add real value to your company's benefits package.  We help businesses of all sizes better understand and comply with the Affordable Care Act (ACA).  The experts in our medical insurance department will go above and beyond to get to know your organization and customize a plan based on your company's specific requirements.

Benchmark at a Glance

We work with the industry's most dependable carriers

Our plans create cost control for owners and protection for their employees

We will find the best available medical plan for each client's 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 plan offers significant premium relief in exchange for a higher deductible, Insurance holders must pay for their medical expenses before the insurance coverage kicks in. 


Self Funded, or Self-Insured plan, is one in which the employer assumes the financial risk for providing health care benefits to its employees. In practical terms, Self-Insured employers pay for claims out-of-pocket as they are presented instead of paying a pre-determined premium to an insurance carrier for a Fully Insured plan.

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