A.I. Insurance Group, Inc. | Employee Benefits Division

Medical Plans
- Health Maintenance Organization (HMO)
  The insurance plan centers around a network of healthcare providers where all non-emergency covered healthcare is delivered. Most HMOs utilize the concept of Primary Care Physicians, or Gate keepers
- Exclusive Provider Organization (EPO)
- Point Of Service (POS)
  An HMO plan that allows a member to access healthcare outside of the HMO network of contracted providers. The member is given incentives to utilize contracted providers through the fuller coverage offered for "in-network" care
- Preferred Provider Organization (PPO)
  Under a PPO benefit plan, covered individuals retain the freedom of choice of providers but are given financial incentives (i.e., lower out-of-pocket costs) to utilize the preferred network provider
- Indemnity
- Open Access - HMO and POS
Dental Plans
- Dental Maintenance Organization Plans
- Indemnity Plans
- Prepaid
Voluntary
- Vision Plans
- Indemnity
- Prepaid
Prescription Drug Plans

Multiple Funding Arrangements
- Self Funded Plans (Participating)
- Administrative Services Only Plans
- Minimum Premium Plans
- Conventionally Funded Plans
- Retro Payment Plans
- Reinsurance
Cafeteria Plans
- Multi Option Plans
- Defined Contribution Plans
- Flexible Spending Account